What is the best auto insurance

The companies that offer auto insurance have different types of coverage or levels of protection that the policy grants to the insured. Before contracting any of them, you should analyze and choose the one that best suits your needs:

Comprehensive coverage. This is the best and most complete protection. This type of policy includes protection against material damages, civil liability for damages to third parties, total theft, legal defense and legal assistance, medical expenses for the passengers of the car and road assistance. There are some coverages that offer extras such as the extension of civil liability when driving another car and theft of parts or even against vandalism. With this coverage your car is also under protection in case of natural disaster.

Limited coverage. This coverage excludes damages that your car may have suffered in certain accidents delimited by the policy, and covers total theft under certain terms. It includes civil liability, legal assistance and, sometimes, medical expenses to occupants.

Liability. This is the basic coverage. It is purchased only to cover damages to third parties after an accident, that is to say, this coverage does not help with property damage or theft of your vehicle.

Before contracting it, take into account to check in detail:

⦁ The description of which claims are covered.

⦁ That there are automatic renewals of the policy.

⦁ Ask to know the exclusions of coverage.

⦁ Pay attention to the conditions and exclusions of the policy.

Remember to look for the auto insurance that best suits your needs, since among the broad coverages there are some that have better benefits. There are even companies that allow you to customize the level of protection to a certain degree.