{"id":19263,"date":"2021-03-19T20:15:28","date_gmt":"2021-03-19T20:15:28","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19263"},"modified":"2021-03-19T20:15:33","modified_gmt":"2021-03-19T20:15:33","slug":"seguro-do-carro-saiba-como-economizar","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/seguro-do-carro-saiba-como-economizar\/","title":{"rendered":"Cum s\u0103 economise\u0219ti la asigurarea auto"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-descubra-dicas-para-economizar-com-o-seguro-\"><strong>Descoperi\u021bi sfaturi pentru a economisi la asigurare<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Descubra dicas para economizar com o seguro\"  id=\"19264\" src=\"https:\/\/ucarecdn.com\/183ebcd0-9d55-423f-b226-737f8c24e022\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Descoperi\u021bi sfaturi pentru a economisi la asigurare<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen zilele noastre, to\u021bi cei care de\u021bin o ma\u0219in\u0103 consider\u0103 c\u0103 este esen\u021bial s\u0103 aib\u0103 o asigurare care s\u0103 garanteze suport \u00een cazuri de furt, accidente \u0219i urgen\u021be. \u0218i sunt corecte! Pentru c\u0103 via\u021ba \u0219oferului este mult mai complicat\u0103 f\u0103r\u0103 asigurare auto. Dar \u0219tim c\u0103 aceasta poate fi o cheltuial\u0103 mare pentru tine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De aceea am decis s\u0103 cre\u0103m un articol exclusiv pentru a-\u021bi oferi sfaturi despre cum po\u021bi economisi la asigurarea auto. Iar dac\u0103 te-ai identificat cu situa\u021bia \u0219oferului care de\u021bine o ma\u0219in\u0103, dar nu \u00ee\u0219i permite s\u0103 cheltuiasc\u0103 foarte mult pe asigur\u0103ri, acest articol este pentru tine!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asa ca ramai cu noi. \u0218i verific\u0103 toate informa\u021biile pe care \u021bi le-am adus despre asigurarea auto \u0219i cele mai bune modalit\u0103\u021bi de a cheltui mai pu\u021bin pentru a ob\u021bine asisten\u021b\u0103 atunci c\u00e2nd ai nevoie.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar \u00een\u021belegi cu adev\u0103rat ce avantaje \u00ee\u021bi poate aduce asigurarea auto? S\u0103 \u0219ti\u021bi c\u0103 sunt multe, deoarece asigurarea v\u0103 va ajuta \u00een situa\u021bii complicate \u0219i v\u0103 va face via\u021ba mult mai u\u0219oar\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, pentru a \u00een\u021belege toate acestea, citi\u021bi mai departe. S\u0103 mergem?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-quais-as-vantagens-de-ter-seguro-do-carro-\"><strong>Care sunt beneficiile de a avea asigurare auto?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quais as vantagens de ter seguro do carro?\"  id=\"19265\" src=\"https:\/\/ucarecdn.com\/9b762f42-f3bd-4a11-bdc1-4a1afcbd104c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Care sunt beneficiile de a avea asigurare auto?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum spuneam, asigurarea auto este un element practic indispensabil \u00een zilele noastre. Iar acest serviciu se adapteaza in functie de profilul persoanei care incheie polita de asigurare, si poate varia foarte mult in ceea ce priveste ceea ce este inclus si sumele totale. \u00cen general, asigurarea acoper\u0103 urm\u0103toarele situa\u021bii:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>apari\u021bia unor accidente \u00eentre ma\u0219ina dumneavoastr\u0103 \u0219i ter\u021bi;<\/li><li>accidente care v\u0103 deterioreaz\u0103 doar ma\u0219ina;<\/li><li>daune cauzate de fenomene naturale precum inunda\u021bii, fulgere, alunec\u0103ri de teren, c\u0103derea copacilor etc.;<\/li><li>urgente mecanice, electrice, anvelope, etc;<\/li><li>Sprijin cu speciali\u0219ti care merg la \u0219antier, remorcher etc.;<\/li><li>\u0218i chiar \u0219i ajutor cu un l\u0103c\u0103tu\u0219, o ma\u0219in\u0103 de rezerv\u0103 etc.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, toate acestea vor depinde de tipul de asigurare pe care alegi s\u0103 o angajezi \u0219i, de asemenea, de profilul t\u0103u de \u0219ofer. Astfel, \u00een general, asigur\u0103torul va evalua urm\u0103toarele \u00eentreb\u0103ri \u00eenainte de a ajunge la o valoare final\u0103 pentru asigurarea auto:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Model de ma\u0219in\u0103, cu c\u00e2t este mai vechi sau mai nou, valoarea variaz\u0103 foarte mult;<\/li><li>Echipament de siguran\u021b\u0103 al vehiculului, cum ar fi airbag-uri etc.;<\/li><li>Profilul \u0219oferului: v\u00e2rsta, c\u00e2\u021bi ani ai permis de conducere, obiceiuri cu ma\u0219ina etc;<\/li><li>Adresa, pentru ca in functie de orasul in care locuiesti, asigurarea poate fi mai scumpa sau mai ieftina. \u0218i asta pentru c\u0103 locuirea \u00eentr-un ora\u0219 mare cu trafic complicat ajunge s\u0103 creasc\u0103 riscurile pentru asigur\u0103tor;<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tocmai ai v\u0103zut tot ce implic\u0103 \u00eencheierea unei asigur\u0103ri auto? Dar nu v\u0103 face\u021bi griji, avantajele de a avea asigurare \u00een momentul unei urgen\u021be vor face cu siguran\u021b\u0103 s\u0103 merite!&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De exemplu, v-a\u021bi imaginat vreodat\u0103 c\u0103, dup\u0103 un accident, trebuie s\u0103 acoperi\u021bi pierderea celuilalt? Cu asigurarea auto, trebuie doar s\u0103 contacta\u021bi asigur\u0103torul \u0219i s\u0103 finaliza\u021bi birocra\u021bia pentru a ob\u021bine acoperirea valorilor.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-9-dicas-para-economizar-com-o-seguro-do-carro-\"><strong>9 sfaturi pentru a economisi la asigurarea auto<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"9 dicas para economizar com o seguro do carro\"  id=\"19266\" src=\"https:\/\/ucarecdn.com\/e00dfd78-dee0-44f2-ada0-f34a0abdfed1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">9 sfaturi pentru a economisi la asigurarea auto<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum c\u0103 \u0219tii care sunt factorii de care asigur\u0103torul ia \u00een calcul pentru a da valoarea asigur\u0103rii auto, precum \u0219i importan\u021ba de a avea asigurarea ta. Deci, ce zici s\u0103 urmezi sfaturile noastre pentru a economisi bani atunci c\u00e2nd \u00eenchiriezi aceste servicii pentru ma\u0219ina ta?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, fi\u021bi cu ochii pe ce v\u0103 vom explica mai jos \u0219i ob\u021bine\u021bi toate avantajele cu o asigurare auto mai ieftin\u0103! S\u0103 mergem?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"3-pesquise-muito-antes-de-contratar-um-seguro-\"><strong>Face\u021bi multe cercet\u0103ri \u00eenainte de a cump\u0103ra o asigurare.<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Pesquise muito antes de contratar um seguro\"  id=\"19267\" src=\"https:\/\/ucarecdn.com\/f69b2e85-5382-4c13-a577-795d8b0042f5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Face\u021bi multe cercet\u0103ri \u00eenainte de a cump\u0103ra o asigurare.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acela\u0219i mod \u00een care trebuie s\u0103 faci multe cercet\u0103ri \u00eenainte de a cump\u0103ra orice produs, este nevoie de mult\u0103 cercetare pentru a cump\u0103ra o asigurare auto. Pentru c\u0103, a\u0219a cum am spus mai \u00eenainte, fiecare asigur\u0103tor v\u0103 va evalua ma\u0219ina \u0219i profilul dumneavoastr\u0103 \u00eenainte de a oferi o valoare pentru pachetul de servicii pe care \u00eel c\u0103uta\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, este esen\u021bial s\u0103 merge\u021bi dup\u0103 mai multe op\u021biuni de asigurare auto \u0219i s\u0103 compara\u021bi condi\u021biile \u0219i valorile pe care fiecare asigur\u0103tor le ofer\u0103. \u00cen plus, este posibil s\u0103 se efectueze simul\u0103ri online pe majoritatea site-urilor de asigur\u0103ri. Astfel, v\u0103 pute\u021bi face o idee mai bun\u0103 despre ceea ce va cere \u0219i va oferi fiecare pentru asigurarea auto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, face\u021bi o mul\u021bime de cercet\u0103ri \u0219i \u00eencerca\u021bi s\u0103 face\u021bi o simulare! De exemplu, v\u0103 pute\u021bi face o idee bun\u0103 despre valoarea medie de asigurare a ma\u0219inii dumneavoastr\u0103 f\u0103c\u00e2nd o simulare cu un model, diferite accesorii pe care le poate avea ma\u0219ina, profilul acesteia, adresa etc.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, po\u021bi primi chiar \u0219i sfaturi personalizate pentru tipul de asigurare pe care \u00eel cau\u021bi \u00een majoritatea simulatoarelor de asigur\u0103ri auto. Adic\u0103 este esen\u021bial \u0219i foarte avantajos s\u0103 cercetezi \u0219i s\u0103 simulezi \u00eenainte de angajare! Tine minte asta.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-confira-de-a-institui%C3%A7%C3%A3o-%C3%A9-confi%C3%A1vel-\"><strong>Verifica\u021bi dac\u0103 institu\u021bia este de \u00eencredere<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Confira de a institui\u00e7\u00e3o \u00e9 confi\u00e1vel\"  id=\"19268\" src=\"https:\/\/ucarecdn.com\/7137e006-f722-4a0d-978d-1961fd38b3a5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Verifica\u021bi dac\u0103 institu\u021bia este de \u00eencredere<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 problem\u0103 foarte important\u0103 este s\u0103 fii sigur de soliditatea \u0219i securitatea institu\u021biei de asigur\u0103ri cu care inten\u021bionezi s\u0103 \u00eenchizi un contract de asigurare auto. Pute\u021bi c\u0103uta referin\u021be de la cuno\u0219tin\u021be sau chiar pute\u021bi c\u0103uta recenzii la brokerajele care au servicii de asigurare auto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este posibil s\u0103 g\u0103se\u0219ti un bun broker de asigur\u0103ri, care va putea accesa \u0219i compara mai mul\u021bi asigur\u0103tori. In acest fel, brokerul te ajuta sa gasesti cel mai bun plan pentru profilul tau, cel mai economic si cu o institutie de incredere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, prioritiza\u021bi \u00eentotdeauna asigur\u0103torii cu indica\u021bii bune, putere pe pia\u021b\u0103 \u0219i bine evalua\u021bi.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"5-contrate-servi%C3%A7os-essenciais-para-seguro-do-carro-\"><strong>\u00cenchiriaz\u0103 servicii esen\u021biale pentru asigurarea auto<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Contrate servi\u00e7os essenciais para seguro do carro\"  id=\"19269\" src=\"https:\/\/ucarecdn.com\/7e49387e-ecae-4b3d-9813-8f6791cf96a8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">\u00cenchiriaz\u0103 servicii esen\u021biale pentru asigurarea auto<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ori de c\u00e2te ori urmeaz\u0103 s\u0103 cota\u021bi valoarea asigur\u0103rii auto, vor exista op\u021biuni pentru servicii esen\u021biale \u0219i servicii suplimentare. A\u0219adar, dac\u0103 trebuie s\u0103 economisi\u021bi bani \u0219i dori\u021bi o asigurare auto mai slab\u0103 \u0219i de valoare mai mic\u0103, idealul este s\u0103 evita\u021bi serviciile suplimentare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103, concentra\u021bi-v\u0103 pe angajarea celor care vor fi serviciile esen\u021biale pentru asigurarea auto \u00een acest moment. \u00cen general, serviciile esen\u021biale pe care asigur\u0103torii vi le vor oferi sunt:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>acoperire \u00eempotriva jafului \u0219i furtului;<\/li><li>asigurare de coliziune;<\/li><li>acoperire \u00een caz de incendiu.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In cazul serviciilor suplimentare, acestea sunt in general complementare celor esentiale. De exemplu, exist\u0103 urm\u0103toarele servicii suplimentare:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>acoperire ter\u021b\u0103 parte;<\/li><li>Asisten\u021b\u0103 auto 24 de ore pe zi;<\/li><li>Acoperire geam auto;<\/li><li>serviciu l\u0103c\u0103tu\u0219 etc;<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar dac\u0103 inten\u021biona\u021bi s\u0103 \u00eenchiria\u021bi asigurare auto cu un buget redus, sfatul este \u00eentotdeauna s\u0103 evita\u021bi serviciile suplimentare. A\u0219adar, concentreaz\u0103-te pe elementele esen\u021biale pentru ceea ce ai nevoie chiar acum.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-descubra-qual-ve%C3%ADculo-apresenta-maior-risco-\"><strong>Afla\u021bi care vehicul este cel mai expus riscului<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"(Divulga\u00e7\u00e3o\/Assessoria de imprensa da Ford)\"  id=\"19270\" src=\"https:\/\/ucarecdn.com\/93699447-82b3-4c2c-a936-46271b816b2e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >(Dezv\u0103luire\/biroul de pres\u0103 Ford)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Daca esti in stadiul de a-ti cumpara masina, dar te gandesti si la asigurarea auto care va veni mai tarziu, acest sfat este pentru tine. Pentru c\u0103 a\u0219a cum am spus, suma total\u0103 a asigur\u0103rii dumneavoastr\u0103 va fi influen\u021bat\u0103 \u00een totalitate de modelul vehiculului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, afl\u0103 care modele de vehicule prezint\u0103 cele mai mari riscuri pentru asigur\u0103tori. \u0218i acest lucru poate fi m\u0103surat prin modele care au un istoric mai mare de jaf, furturi de anvelope etc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103, dac\u0103 \u00eenc\u0103 urmeaz\u0103 s\u0103 cump\u0103ra\u021bi \u0219i trebuie s\u0103 economisi\u021bi la asigurarea auto, este foarte important s\u0103 evita\u021bi modelele care sunt foarte \u201e\u021bintite\u201d pe str\u0103zi. A\u0219adar, s-ar putea s\u0103 v\u0103 g\u00e2ndi\u021bi s\u0103 discuta\u021bi cu un broker sau un asigur\u0103tor pentru a afla ce modele au \u00een prezent cea mai ieftin\u0103 asigurare.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-pague-%C3%A0-vista-\"><strong>pl\u0103ti\u021bi \u00een numerar<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Pague \u00e0 vista\"  id=\"19271\" src=\"https:\/\/ucarecdn.com\/ba3193a3-d5a1-4c01-b32e-c3c460186316\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">pl\u0103ti\u021bi \u00een numerar<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen general, asigur\u0103torii vor oferi \u00eentotdeauna avantaje clientului care pl\u0103te\u0219te suma asigurat\u0103 \u00een numerar. Adic\u0103 cei care pl\u0103tesc suma \u00eentr-o singur\u0103 tran\u0219\u0103 beneficiaz\u0103 de reduceri! Prin urmare, o strategie bun\u0103 este s\u0103 negociezi valoarea asigur\u0103rii auto cu compania, \u0219i po\u021bi chiar s\u0103 informezi valoarea concuren\u021bei \u0219i s\u0103 afirmi c\u0103 vei pl\u0103ti \u00een numerar dac\u0103 accept\u0103 propunerea ta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>&nbsp;Astfel, este esen\u021bial s\u0103 v\u0103 planifica\u021bi financiar pentru a v\u0103 putea permite valoarea \u00een numerar a asigur\u0103rii auto. \u0218i \u00eenc\u0103 o dat\u0103, realiza\u021bi c\u0103 cei care \u00ee\u0219i planific\u0103 finan\u021bele personale reu\u0219esc s\u0103 economiseasc\u0103.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z3Umwj\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/melhorar-sua-relacao-com-o-dinheiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103-\u021bi \u00eembun\u0103t\u0103\u021be\u0219ti rela\u021bia cu banii?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/blue-1702287_1280.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/melhorar-sua-relacao-com-o-dinheiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103-\u021bi \u00eembun\u0103t\u0103\u021be\u0219ti rela\u021bia cu banii?\">\n            Cum s\u0103-\u021bi \u00eembun\u0103t\u0103\u021be\u0219ti rela\u021bia cu banii? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/melhorar-sua-relacao-com-o-dinheiro\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"8-preencha-o-formul%C3%A1rio-com-bastante-aten%C3%A7%C3%A3o-\"><strong>V\u0103 rug\u0103m s\u0103 completa\u021bi formularul cu mare aten\u021bie.<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Preencha o formul\u00e1rio com bastante aten\u00e7\u00e3o\"  id=\"19272\" src=\"https:\/\/ucarecdn.com\/49a130ea-a376-468b-a65d-d29f8a3c502b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">V\u0103 rug\u0103m s\u0103 completa\u021bi formularul cu mare aten\u021bie.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd solicita\u021bi o asigurare auto la asigur\u0103tor, va trebui s\u0103 completa\u021bi un formular cu informa\u021bii<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>a vehiculului,&nbsp;<\/li><li>de la tine&nbsp;<\/li><li>\u0219i unde locuie\u0219ti.&nbsp;<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i \u00een acest moment, este foarte important s\u0103 completa\u021bi formularul companiei de asigur\u0103ri cu mare aten\u021bie, deoarece evaluarea pentru suma total\u0103 a asigur\u0103rii se va baza pe aceste informa\u021bii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 prin acest formular asigur\u0103torul va ajunge la o concluzie despre profilul dumneavoastr\u0103 de \u0219ofer \u0219i riscurile pe care dumneavoastr\u0103 \u0219i vehiculul dumneavoastr\u0103 le reprezenta\u021bi pentru companie. Adic\u0103, a\u0219a vei ob\u021bine pre\u021bul final al asigur\u0103rii auto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, informeaz\u0103 foarte atent \u0219i precis cine va fi \u0219oferul vehiculului, toate informa\u021biile despre ma\u0219in\u0103, dac\u0103 cineva \u00eemparte ma\u0219ina cu tine, dac\u0103 este parcat mult pe strad\u0103 etc. Astfel, asiguratorul va avea o idee despre contextul general de utilizare al acestui autovehicul, si riscurile la care este expus zilnic.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i nu omite\u021bi niciodat\u0103 informa\u021bii sau min\u021bi\u021bi atunci c\u00e2nd completa\u021bi formularul. De exemplu, dac\u0103 tu \u0219i o alt\u0103 persoan\u0103 folosi\u021bi ma\u0219ina, dar nu dezv\u0103lui\u021bi aceste informa\u021bii, pute\u021bi avea probleme \u00een cazul unor accidente care implic\u0103 acea alt\u0103 persoan\u0103 ca \u0219ofer al ma\u0219inii.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"9-instale-um-rastreador-\"><strong>instala\u021bi un tracker<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Instale um rastreador\"  id=\"19273\" src=\"https:\/\/ucarecdn.com\/a40e2ed0-ffc3-40e1-96c7-217968b43747\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">instala\u021bi un tracker<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd investi\u021bi \u00een echipamente de securitate, cum ar fi alarme \u0219i trackere, prima de asigurare poate fi redus\u0103 cu p\u00e2n\u0103 la 10%. Pentru c\u0103 acest lucru aduce mai pu\u021bin risc asigur\u0103torului care \u00ee\u021bi vinde poli\u021ba de asigurare auto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219a c\u0103 investe\u0219te \u00eentr-un tracker \u0219i alte echipamente de siguran\u021b\u0103. \u00cen acest fel, nu ve\u021bi economisi doar la asigurarea auto, ci ve\u021bi investi \u0219i \u00een propria dumneavoastr\u0103 siguran\u021b\u0103 \u0219i \u00een cea a vehiculului dumneavoastr\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, nu v\u0103 g\u00e2ndi\u021bi de dou\u0103 ori, instala\u021bi un tracker, o alarm\u0103 etc. \u0219i spune\u021bi acest lucru clar companiei dvs. de asigur\u0103ri \u00een timpul evalu\u0103rii ma\u0219inii.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"10-s%C3%B3-adicione-motoristas-se-for-necess%C3%A1rio-\"><strong>Ad\u0103uga\u021bi drivere doar dac\u0103 este necesar<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"S\u00f3 adicione motoristas se for necess\u00e1rio\"  id=\"19274\" src=\"https:\/\/ucarecdn.com\/4cb5d1dd-5956-4156-874b-c758591e7d97\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Ad\u0103uga\u021bi drivere doar dac\u0103 este necesar<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum am spus, asigurarea va evalua cine este conduc\u0103torul principal al vehiculului. Dar pute\u021bi afirma c\u0103 exist\u0103 \u0219oferi suplimentari care folosesc ma\u0219ina. De exemplu, membrii familiei tale sau persoanele care locuiesc cu tine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest caz, pute\u021bi ad\u0103uga \u0219oferi suplimentari, dar acest lucru va face asigurarea auto mai scump\u0103. Mai ales dac\u0103 vreunul dintre acei \u0219oferi suplimentari are sub 25 de ani sau are un permis de conducere foarte recent. Aceasta reprezint\u0103 un risc mai mare pentru asigur\u0103tor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 trebuie s\u0103 economisi\u021bi la asigurare, evita\u021bi s\u0103 ad\u0103uga\u021bi \u0219oferi dec\u00e2t dac\u0103 este cu adev\u0103rat necesar. Dar nu uita\u021bi s\u0103 nu omite\u021bi niciodat\u0103 informa\u021bii! De exemplu, dac\u0103 \u00eemp\u0103r\u021bi\u021bi \u00een mod obi\u0219nuit ma\u0219ina cu altcineva, trebuie s\u0103 raporta\u021bi acest lucru chiar dac\u0103 ajunge\u021bi s\u0103 l\u0103sa\u021bi asigurarea mai scump\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 dac\u0103 are loc un accident \u0219i \u0219oferul la momentul respectiv nu este cel din eviden\u021ba asigur\u0103torului, acesta poate refuza acoperirea desp\u0103gubirii vehiculului. A\u0219a c\u0103 \u021bine\u021bi cont de asta atunci c\u00e2nd completa\u021bi formularul de asigurare auto!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"11-calcule-a-diferen%C3%A7a-entre-franquia-e-pr%C3%AAmio-no-seguro-do-carro\"><strong>Calcula\u021bi diferen\u021ba dintre deductibil\u0103 \u0219i prim\u0103<\/strong> pe asigurarea auto<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Calcule a diferen\u00e7a entre franquia e valor do pr\u00eamio\"  id=\"19276\" src=\"https:\/\/ucarecdn.com\/072f74c5-8232-4217-b1e3-48577257c7b8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Calcula\u021bi diferen\u021ba dintre suma deductibil\u0103 \u0219i cea a primei<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Practic, deductibil\u0103 este suma pe care o po\u021bi pl\u0103ti pentru a acoperi pierderile \u00een cazul producerii unor accidente, daune aduse vehiculului t\u0103u. \u00cen astfel de cazuri, ve\u021bi declan\u0219a asigur\u0103torul \u0219i ve\u021bi primi suma deductibil\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i exist\u0103 4 tipuri de deductibile, iar fiecare variaz\u0103 valoarea franchisei \u0219i a primei asigur\u0103torului:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>De baz\u0103: valoare de asigurare mai mare, dar deductibil\u0103 mai ieftin\u0103;<\/li><li>Extins: valoarea asigur\u0103rii este mai mic\u0103, dar suma de pl\u0103tit pentru deductibil\u0103 va fi mai mare;<\/li><li>Redus\u0103: valoarea deductibil\u0103 este mai mic\u0103, dar valoarea final\u0103 de asigurare este mai scump\u0103;<\/li><li>Scutit: Acest tip elimin\u0103 necesitatea pl\u0103\u021bilor de c\u0103tre asigurat, dar costul ini\u021bial al asigur\u0103rii va fi mai mare.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar ce zici de premiu? Este suma pe care asiguratul trebuie s\u0103 o pl\u0103teasc\u0103 pentru a completa acoperirea daunelor. \u00cen general, cu c\u00e2t deductibilitatea este mai mare, cu at\u00e2t prima de asigurare este mai mic\u0103 \u0219i invers.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i pentru a v\u0103 ajuta s\u0103 defini\u021bi cel mai bun tip de franciz\u0103 pentru dvs., lua\u021bi \u00een considerare profilul dvs. de \u0219ofer. Sau mai este posibil s\u0103 solicita\u021bi ajutorul unui broker, care v\u0103 va evalua profilul \u0219i v\u0103 va ajuta s\u0103 g\u0103si\u021bi tipul de franciz\u0103 care vi se potrive\u0219te cel mai bine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, am ajuns la finalul articolului nostru exclusiv cu informa\u021bii pentru dumneavoastr\u0103 care ave\u021bi nevoie s\u0103 cump\u0103ra\u021bi o asigurare auto, dar dori\u021bi s\u0103 economisi\u021bi bani. Sper\u0103m c\u0103 acum este mai u\u0219or s\u0103 \u00een\u021belege\u021bi cum s\u0103 ob\u021bine\u021bi pre\u021buri mai bune \u0219i s\u0103 ob\u021bine\u021bi \u00een continuare servicii bune de la asigur\u0103torul dvs.!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-VBQO6\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/comprar-carro-com-nome-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/segurodocarro1.png\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/comprar-carro-com-nome-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar?\">\n            Cum s\u0103 cumperi o ma\u0219in\u0103 cu un nume murdar? 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Dar dac\u0103 trebuie s\u0103 economisi\u021bi valoare, consulta\u021bi sfaturile noastre.<\/p>","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9,29],"tags":[323,137,328,327,326],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Seguro do carro: saiba como economizar! - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Seguro do carro \u00e9 algo essencial e que pode te trazer muitos benef\u00edcios! 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