2023-06-24 11:15:34
The arrival of summer is usually a time of maximum activity in car workshops, as there are many drivers who follow the advice to tune up their vehicles due to the increase in travel for the holidays. Taking advantage of that summer review, it may be a good time to look for cheap car insurancenot in vain eight out of ten Spaniards check their insurance policy in search of a better offer, according to the ‘Auto insurance price index’ made by the comparator Rastreator.
Finding cheap car insurance can be complex and, to achieve it, experts advise being very clear about what we need and where we start from since its price can vary depending on many factors. In addition, taking into account the increase in the cost of living and the increase in insurance, it is normal for many doubts to arise when we get to know find cheap car insurance that cover all our needs. However, there are ways to find a cheapest car insurance than the current one: you only need to compare different insurers and follow a few tips that can help you save an average of 100 euros per year.
How much does car insurance cost in 2023?
Before you start searching cheap car insurance companiesit does not hurt to have a bit of information about car insurance prices in 2023. According to the study mentioned above, the average price of comprehensive insurance with a franchise in 2023 is 480 euros per year, that of full-risk car of 1,164 euros, extended third-party insurance of 350 euros per year and third-party insurance this year has an average price of 316 euros per year.
Based on this data it will be easier to start looking for a cheap car insurance that adapts to each specific case, always without forgetting that the insurers will take into account for the final price a series of variables such as the characteristics of the vehicle to be insured, the risk profile of the driver (age, driver experience, marital status, etc. .) or even the city of residence since, depending on the city, the price of auto insurance can be up to 121% more expensive.
How to find cheap car insurance
Knowing how much you can save on your car insurance and the average insurance prices in 2023, it’s time to get down to work and find cheap car insurance. The key is to compare prices, which most drivers are more than used to, something as simple as finding a quiet place at home and taking time to search for different companies and policies taking into account what coverage your vehicle requires to avoid paying more for guarantees that you do not need. Remember that it is important to compare all the car insurance available on the market so that you can choose the one that best suits your vehicle.
It is important to compare all the car insurance available on the market so that you can choose the one that best suits your vehicle.
And, although the same study shows how 77% of Spaniards review their insurance policy annually to decide if it is worth continuing with the current one or if it would be more advantageous to change companies, there are still many people who tend to renew their insurance automatically year after year without checking if there is another more advantageous offer for the pocket. If you are in the latter group and what stops you from looking for a cheapest car insurance that the one you currently have contracted is lazy to compare different offers, you should know that there are search engines, such as Rastreator, that help you do it without complications, you just have to enter your information and wait for them to search for you the insurance that best suits you. you should.
Tips to save on car insurance
In the Spanish market there are currently four types of car insurance: Third Party, Extended Third Party, All Risk and All Risk with excess. Depending on the one you hire, you can save more or less on the final price. Of course, it is important to assess what are the essential coverages so that, in the event of an accident, there are no unpleasant surprises. Here are a few practical tips for find cheap car insurance
Comparing all the offers on the market is the most effective way to find a cheapest car insurance. Analyze everything that the different insurers offer you and choose the one that best suits your needs. Hire only the guarantees you need and take into account what your car insurance offers you before hiring it. If necessary, ask your insurance agent to read you all the coverage contracted and the new ones compared to the previous year. Keep a clean accident history: being a good driver has its rewards, the fewer fines you have (especially speeding) the cheaper your car insurance will be. Put it in value when you talk to your insurance agent to negotiate the premium. If you cannot afford an all-risk policy, take out an all-risk policy with an excess, a modality that includes the same coverage as the all-risk policy, but with a cheaper premium since, in the event of a claim, the insurance holder must assume a fixed part of the expenses. Whether in your own company or in a new one, ask about the possibility of contracting several policies at the same time, in this way you can benefit from a discount.
Remember that, in the case of comparing, finding cheaper car insurance and deciding on another insurer, the law requires you to cancel your policy at least 30 days in advance. Take your time to compare companies, review all the details and you will end up finding a cheap car insurance perfect for you.
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