Nowadays, everyone who owns a car finds it essential to have insurance to guarantee support in cases of theft, accidents and emergencies. And they are correct! Because the driver's life is much more complicated without car insurance. But we know this can be a big expense for you.

That's why we decided to create an article exclusively to give you tips on how you can save on car insurance. And if you identified yourself with the situation of the driver who owns a car but can't afford to spend a lot on insurance, this article is for you!

So stay with us. And check out all the information we brought you about car insurance and the best ways to spend less to get that support when you need it. 

But do you really understand what advantages having car insurance can bring to you? Know that there are many, since insurance will help you in complicated situations and make your life much easier. 

So, to understand all this, read on. Let's go?

As we said, car insurance is a practically indispensable item nowadays. And this service adapts according to the profile of the person who takes out the insurance policy, and it can vary greatly in terms of what is included and the total amounts. In general, insurance covers the following situations:

However, all of this will depend on the type of insurance you choose to hire, and also on your driver profile. Thus, in general, the insurer will evaluate the following questions before reaching a final value for car insurance:

Did you just see everything that involves taking out car insurance? But don't worry, the advantages of having insurance at the time of an emergency will definitely make it worth it! 

For example, have you ever imagined yourself after an accident having to cover the loss of the other? With car insurance, you only need to contact the insurer and complete the bureaucracy to get coverage of the values.

Now that you know what are the factors that the insurer takes into account to give the value of car insurance, and also the importance of having your insurance. So how about following our tips to save money when hiring these services for your car?

So, keep an eye on what we are going to explain to you below, and get all the advantages with a cheaper car insurance! Let's go?

In the same way that you need to do a lot of research before purchasing any product, it takes a lot of research to buy car insurance. Because, as we said before, each insurer will evaluate your car and your profile before providing a value for that service package you are looking for.

Therefore, it is essential that you go after several car insurance options, and compare the conditions and values that each insurer is offering. In addition, it is possible to carry out online simulations on most insurance websites. This way, you can get a better idea of what each one will demand and offer for car insurance.

So, do a lot of research and try to do a simulation! For example, you can get a good idea of the average insurance value for your car by doing a simulation with a model, different accessories that the car may have, its profile, address, etc. 

In addition, you can even receive personalized tips for the type of insurance you are looking for in most car insurance simulators. That is, it is essential and very advantageous to research and simulate before hiring! Remember this.

Another very important issue is to be sure of the solidity and security of the insurance institution with which you intend to close a car insurance contract. You can seek references from acquaintances, or even look for reviews on brokerages that have car insurance services.

In addition, it is possible to find a good insurance broker, who will be able to access and compare several insurers. In this way, the broker helps you find the best plan for your profile, the most economical and with a trusted institution.

Therefore, always prioritize insurers with good indications, strength in the market and well evaluated.

Whenever you are going to quote the value of car insurance, there will be options for essential services and additional services. So, if you need to save money and want a leaner and lower-value car insurance, the ideal is to avoid additional services.

That is, focus on hiring those who will be the essential services for car insurance at the moment. In general, the essential services that insurers will offer you are:

In the case of additional services, they are generally complementary to the essential ones. For example, there are the following additional services:

But if you are intending to hire car insurance on a budget, the tip is always to avoid additional services. So, focus on the essentials for what you need right now.

If you are at the stage of buying your car, but also thinking about the car insurance that will come later, this tip is for you. Because as we said, the total amount of your insurance will be totally influenced by the vehicle model.

So, find out which vehicle models pose the highest risks for insurers. And this can be measured by models that have a greater history of robberies, tire thefts, etc.

That is, if you are still going to buy and need to save on car insurance, it is very important to avoid models that are very “targeted” on the streets. So, you might consider talking to a broker or insurer to find out which models currently have the cheapest insurance.

In general, insurers will always offer advantages to the customer who pays the insurance amount in cash. That is, those who pay the amount in a single installment get discounts! Therefore, a good strategy is to negotiate the value of car insurance with the company, and you can even inform the value of the competition, and state that you will pay in cash if they accept your proposal.

 Thus, it is essential to plan financially to be able to afford the cash value of your car insurance. And once again, realize that those who plan their personal finances manage to save.

When applying for car insurance with the insurer, you will need to fill out a form with information

And at this point, it is very important to fill out the insurance company's form very carefully, as the assessment for the total amount of the insurance will be based on this information.

Because it is through this form that the insurer will reach a conclusion about your profile as a driver, and the risks that you and your vehicle represent for the company. That is, this is how you will get the final price of your car insurance.

So, inform very carefully and precisely who will be the driver of the vehicle, all the information about the car, if someone shares the car with you, if it is parked on the street a lot, etc. This way, the insurer will have an idea of the general context of use of this car, and the risks to which it is exposed on a daily basis.

And never omit information or lie when filling out the form. For example, if you and one other person use the car, but you do not reveal this information, you could have problems in case of accidents involving that other person as the driver of the car.

When you invest in security equipment such as alarms and trackers, your insurance premium can be reduced by up to 10%. Because this brings less risk to the insurer who sells you the car insurance policy.

So invest in a tracker and other safety equipment. This way, you will not only save on car insurance, but you will also be investing in your own safety and that of your vehicle.

So, don't think twice, install a tracker, alarm, etc., and make this clear to your insurance company during your car appraisal.

As we said, insurance will assess who is the main driver of the vehicle. But you can state that there are additional drivers using the car. For example, your family members or people who live with you.

In this case, you can add extra drivers, but this will make car insurance more expensive. Especially if any of those extra drivers are under 25 or have a very recent driver's license. This represents a greater risk for the insurer.

So, if you need to save on insurance, avoid adding drivers unless it's really necessary. But remember never to omit information! For example, if you habitually share the car with someone else, you need to report this even if you end up leaving the insurance more expensive.

Because if an accident occurs and the driver at the time is not the one on the insurer's record, it may refuse to cover the vehicle's compensation. So keep that in mind when filling out your car insurance form!

Basically the deductible is the amount you can pay to cover losses when accidents occur, damage to your vehicle. In such cases, you will trigger the insurer and receive the amount of the deductible. 

And there are 4 types of deductible, and each one varies the value of the deductible and the insurer's premium:

But what about the prize? It is the amount that the insured has to disburse to complement the damage coverage. In general, the higher the deductible, the lower the insurance premium, and vice versa. 

And to help you define the best type of franchise for you, consider your driver profile. Or it is also possible to request the help of a broker, who will assess your profile and help you find the type of franchise best suited to you.

Thus, we have reached the end of our exclusive article with information for you who need to buy car insurance but want to save money. We hope it's easier now to understand how to get better prices and still get good service from your insurer!