How to choose the best insurance for you? The best Tips

Finding the best coverage for you can be exhausting. In addition to the growing range of insurance types, there are special factors, such as age, that affect the amount paid. Whether you're looking for life, health, home, or auto insurance, it's important to meet your needs. There are some basic questions to ask to determine if the offer you find is the best one for you. Things that look cheap tend to be expensive, and vice versa. Therefore, knowing a little about insurance before looking for a quote can make the whole process much easier.

Are you wondering how to choose the best insurance for you? Read our advice and find out what to consider before making a decision.

5 tips to choose the best insurance

1. Know your needs

The best insurance for you is the one that suits your needs. Only then will it be possible to make the most of it.

If you are looking for health insurance, keep these details in mind: How many times a year do you visit your doctor? Which cover do you find most useful? Do you wear glasses and want insurance for it? If you want to buy auto insurance, consider the following questions: How much is your vehicle worth? Does it make sense to include additional travel assistance or legal protection insurance?

Before you can simulate, first define the coverage you need. Identify your individual needs to see later if they are worth protecting.

2. Consult industry experts

The insurance market is vast, and the uninitiated may miss some details. Getting a broker's help choosing the best insurance for you can make all the difference. Someone specialized in the subject will be able to clarify your doubts and guide you along the way.

DS SEGUROS is part of a group that has been operating in the insurance industry for more than a decade and has around 100 branches in the country. The broker is one of the few in the industry that is allied with almost every insurance company in the country. This makes it possible to find the best offer for the client at the best price among the many insurance companies available.

3. Evaluate and compare coverage, deductibles, premiums and grace periods

When looking at different insurance simulations, pay attention to their real value. Evaluate coverage (incidents or claims covered by insurance), deductibles (the amount you are responsible for if you report an incident), premiums (the amount you will pay for your insurance) and grace periods (you must wait to qualify for Insurance) . ).

Insurance with higher premiums (with more coverage or no deductible) may be cheaper than plans with lower deductibles and premiums. For example, if you are involved in a car accident and the car repairs are below the deductible, you will have to pay the full settlement amount. If you do not have a deductible, the insurance will pay it in full.

If the incident is isolated, paying less can also make up for it. But imagine a few minor accidents a year. In this case, you will have to pay higher premiums.

4. Be aware of return policies and exclusions.

In addition to the above, all insurances include exclusions (situations not covered by insurance) and returns (amounts returned after reporting a claim).

The information on returns and exclusions is expressed in the general conditions of the policy or in the fine print of the contract. Attention to detail is important when looking for the best insurance for you or your family.

5. Check the partner network

When you buy insurance, there is a network of partners associated with your insurance company. This means that if you contact any of the entities included in the network (for example, a clinic or a mechanical workshop, depending on the insurance), part of the amount will be paid by the insurance company. That is, you only pay in advance. Before choosing insurance, we recommend that you understand the network services in your area of ​​residence.

Are you considering buying insurance or renegotiating your existing insurance? DS SEGUROS is here to help you! Request a simulation and get free expert advice.