{"id":1874,"date":"2020-01-10T09:00:59","date_gmt":"2020-01-10T09:00:59","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1874"},"modified":"2022-08-30T09:42:34","modified_gmt":"2022-08-30T09:42:34","slug":"can-i-bargain-for-lower-rates-on-car-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/can-i-bargain-for-lower-rates-on-car-insurance\/","title":{"rendered":"\u00bfSon negociables las tarifas de seguro de auto?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Los cambios est\u00e1n llegando a la industria de seguros de autom\u00f3viles de California en 2020. Seg\u00fan un informe publicado por el <\/span><i><span style=\"font-weight: 400;\">Wall Street Journal<\/span><\/i><span style=\"font-weight: 400;\"> a finales de diciembre, los reguladores de seguros en el Estado Dorado est\u00e1n revisando varias propuestas de legisladores que desean ver una supervisi\u00f3n m\u00e1s s\u00f3lida de los descuentos ofrecidos a grupos de afinidad por las compa\u00f1\u00edas de seguros de autom\u00f3viles. La base del argumento en contra de los descuentos grupales es que algunos programas terminan excluyendo a los conductores de bajos ingresos, priv\u00e1ndolos as\u00ed de posibles ahorros y beneficios. En esencia, los reguladores quieren ver m\u00e1s igualdad en t\u00e9rminos de descuentos en seguros, y esta es una buena noticia para los conductores de California.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Algo que no cambiar\u00e1 en el nuevo a\u00f1o es la necesidad de darse una vuelta por <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Seguro de auto en San Diego<\/span><\/a><span style=\"font-weight: 400;\">. En lugar de simplemente renovar su p\u00f3liza existente, debe revisar lo que las agencias de seguros tienen para ofrecer y tomarse un tiempo para negociar antes de realizar su compra. <\/span><\/p>\n<h2>\u00bfCu\u00e1nto puede negociar realmente?<\/h2>\n<p><span style=\"font-weight: 400;\">Hay l\u00edmites en cuanto a lo que puede y no puede negociar con respecto al seguro de autom\u00f3viles en California. Las tarifas reales no son negociables debido a la supervisi\u00f3n reglamentaria, lo que significa que se promulgan despu\u00e9s de su aprobaci\u00f3n. Lo que puede negociarse hasta cierto punto es el tipo de cobertura que puede recibir a cambio de pagos de primas. Tenga en cuenta que la cobertura se basa no solo en el valor de su veh\u00edculo, sino tambi\u00e9n en su perfil como conductor y sus necesidades individuales.<\/span><\/p>\n<h2>Calcular la cobertura seg\u00fan el valor<\/h2>\n<p><span style=\"font-weight: 400;\">Las tarifas de las primas de seguros pueden subir y bajar seg\u00fan diversos factores. Primero, tiene condiciones de mercado y regulatorias. La depreciaci\u00f3n viene despu\u00e9s, ya que es inevitable para la mayor\u00eda de los veh\u00edculos. Tambi\u00e9n est\u00e1 la cobertura en s\u00ed. Digamos que el autom\u00f3vil que ha tenido y conducido durante a\u00f1os se ha depreciado a aproximadamente $4,000. En este caso, la colisi\u00f3n y la cobertura integral ya no son necesarias, pero es bueno tenerlas. Es posible que pueda negociar para mantener estas funciones en caso de que realmente las necesite. <\/span><\/p>\n<h2>P\u00f3lizas de seguro agrupadas<\/h2>\n<p><span style=\"font-weight: 400;\">Este es un aspecto del seguro que brinda a los consumidores un mayor poder de negociaci\u00f3n. Si posee una casa, un bote o un negocio, es muy probable que la compra de todas sus p\u00f3lizas a la misma compa\u00f1\u00eda de seguros resulte en primas m\u00e1s bajas en todos los \u00e1mbitos. Esto es algo que no mucha gente en el sur de California conoce porque las compa\u00f1\u00edas de seguros son muy competitivas y a menudo buscan formas de alejar a los nuevos clientes de otras aseguradoras.<\/span><\/p>\n<h2>Negociando por ventajas<\/h2>\n<p><span style=\"font-weight: 400;\">En general, hay m\u00e1s margen de negociaci\u00f3n cuando las p\u00f3lizas ofrecen m\u00e1s cl\u00e1usulas de cobertura, lo que resulta en primas m\u00e1s altas. Puede negociar art\u00edculos como asistencia en carretera, fondos de emergencia, el costo de un autom\u00f3vil alquilado cuando su autom\u00f3vil est\u00e1 en la tienda y otros beneficios que valen m\u00e1s de lo que mucha gente cree.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los conductores que buscan un seguro de autom\u00f3vil asequible y confiable deben comunicarse con los agentes amigables de Altra Insurance Services. Adem\u00e1s de la cobertura autom\u00e1tica, ofrecemos una variedad de productos de seguros, que incluyen motocicletas, propietarios de viviendas y\u00a0<\/span><a href=\"https:\/\/altrainsurance.com\/renters-insurance-san-diego\/\"><span style=\"font-weight: 400;\">el seguro para inquilinos. San Diego<\/span><\/a><span style=\"font-weight: 400;\">\u00a0Los residentes pueden llamar a uno de los miembros de nuestro equipo experto hoy al 619-474-6666 para obtener un presupuesto gratuito.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Los cambios est\u00e1n llegando a la industria de seguros de autom\u00f3viles de California en 2020. Seg\u00fan un informe publicado por el Wall Street Journal a fines de diciembre, los reguladores de seguros en el Estado Dorado est\u00e1n revisando varias propuestas de legisladores que desean ver una mayor supervisi\u00f3n de los descuentos ofrecidos a grupos de afinidad. por las compa\u00f1\u00edas de seguros de autom\u00f3viles. La base para ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/can-i-bargain-for-lower-rates-on-car-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Are Auto Insurance Rates Negotiable?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1874","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can You Negotiate Car Insurance Rates?<\/title>\n<meta name=\"description\" content=\"There are limits on negotiating the rates you pay for car insurance, but you can still save money. Learn which parts of auto insurance you can bargain over.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altrainsurance.com\/es\/can-i-bargain-for-lower-rates-on-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Negotiate Car Insurance Rates?\" \/>\n<meta property=\"og:description\" content=\"There are limits on negotiating the rates you pay for car insurance, but you can still save money. 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