{"id":4083,"date":"2021-08-16T09:00:11","date_gmt":"2021-08-16T09:00:11","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4083"},"modified":"2022-08-11T06:55:33","modified_gmt":"2022-08-11T06:55:33","slug":"should-i-buy-full-coverage-car-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/should-i-buy-full-coverage-car-insurance\/","title":{"rendered":"\u00bfEl seguro de autom\u00f3vil de cobertura completa ofrece un buen valor?"},"content":{"rendered":"

El seguro de autom\u00f3vil de cobertura completa se llama as\u00ed porque brinda una gama de cobertura m\u00e1s amplia que la que normalmente se incluye con la cobertura m\u00ednima b\u00e1sica requerida para conducir legalmente. Este tipo de seguro de veh\u00edculo es m\u00e1s una inversi\u00f3n que la cobertura b\u00e1sica, pero puede valer la pena siempre que sepa lo que obtendr\u00e1 y cu\u00e1ndo considerar esta opci\u00f3n. Contin\u00fae leyendo para obtener m\u00e1s informaci\u00f3n sobre el seguro de autom\u00f3vil de cobertura total y qu\u00e9 debe tener en cuenta.<\/span><\/p>\n

\u00bfQu\u00e9 es el seguro de autom\u00f3vil de \"cobertura total\"?<\/h2>\n

Cobertura completa <\/span>seguro de auto San Diego<\/span><\/a> brinda cobertura para muchos escenarios diferentes que puede encontrar mientras est\u00e1 detr\u00e1s del volante en un veh\u00edculo cubierto por este tipo de p\u00f3liza. Esto generalmente incluye cobertura para accidentes con culpa, incidentes relacionados con el clima y vandalismo. Tambi\u00e9n es com\u00fan que la cobertura total pague el valor actual de su veh\u00edculo en caso de robo.<\/span>
\n<\/span>
\n<\/span>Las p\u00f3lizas de esta naturaleza pueden variar en cuanto a lo que se cubre espec\u00edficamente. Sin embargo, no es inusual que la cobertura adicional incluya: <\/span>
\n<\/span>
\n<\/span>\u2022 Lesiones corporales<\/span>
\n<\/span>\u2022 Da\u00f1o a la propiedad<\/span>
\n<\/span>\u2022 Lesiones corporales y\/o da\u00f1os a la propiedad de conductores sin seguro<\/span>
\n<\/span>\u2022 Cobertura de colisi\u00f3n<\/span>
\n<\/span>\u2022 Cobertura completa<\/span><\/p>\n

Cu\u00e1ndo considerar un seguro de autom\u00f3vil de cobertura total<\/h2>\n

La cobertura m\u00ednima requerida en la mayor\u00eda de los estados solo cubrir\u00e1 los gastos relacionados con da\u00f1os o lesiones que pueda causar a otras partes involucradas. Dicho esto, hay muchos factores a tener en cuenta al decidir si un seguro de autom\u00f3vil de cobertura completa vale la pena para usted.<\/span>
\n<\/span>
\n<\/span>A menudo vale la pena considerar la cobertura total si se aplica alguna de las siguientes condiciones o circunstancias: <\/span>
\n<\/span>
\n<\/span>\u2022 Su veh\u00edculo es bastante valioso y\/o nuevo<\/span>
\n<\/span>\u2022 Normalmente viaja o maneja en tr\u00e1fico pesado<\/span>
\n<\/span>\u2022 Vives en un \u00e1rea de alta criminalidad<\/span>
\n<\/span>\u2022 Vives en un \u00e1rea donde el clima extremo es com\u00fan<\/span>
\n<\/span>\u2022 No podr\u00eda reemplazar f\u00e1cilmente su autom\u00f3vil si se lo robaran <\/span>
\n<\/span>
\n<\/span>Otra raz\u00f3n para considerar un seguro de autom\u00f3vil de cobertura total es si tiene un pr\u00e9stamo o arrendamiento de autom\u00f3vil. Es com\u00fan que los prestamistas requieran colisi\u00f3n y cobertura integral.<\/span><\/p>\n

Cuando la cobertura completa puede no valer la pena<\/h2>\n

La raz\u00f3n principal para renunciar a un seguro de auto de cobertura total es si tiene un auto m\u00e1s antiguo o uno que no es muy valorado. Con un autom\u00f3vil m\u00e1s antiguo, solo se le reembolsar\u00e1 el valor de mercado actual con una p\u00f3liza de cobertura total. Por lo tanto, si su veh\u00edculo antiguo tiene un valor bajo ahora debido a su antig\u00fcedad y condici\u00f3n, es probable que reciba un pago bajo.<\/span>
\n<\/span>
\n<\/span>Adem\u00e1s, tenga en cuenta que las p\u00f3lizas de cobertura completa pueden no incluir ciertos tipos de cobertura que podr\u00edan ser m\u00e1s beneficiosos para usted. Por ejemplo, el seguro de brecha y el seguro de pagos m\u00e9dicos cubren los gastos que normalmente no est\u00e1n cubiertos por las p\u00f3lizas de cobertura completa. Si este es el tipo de cobertura que probablemente le beneficiar\u00eda m\u00e1s, puede ser mejor trabajar con un agente para elegir lo que necesita.<\/span><\/p>\n

Costo del seguro de autom\u00f3vil de cobertura total<\/h2>\n

Seg\u00fan NerdWallet, el costo promedio de un seguro de veh\u00edculo de cobertura total es de alrededor de $1500 por a\u00f1o. Las tarifas espec\u00edficas var\u00edan seg\u00fan factores como su historial de manejo.\u00a0<\/span><\/p>\n

Ya sea que necesite cobertura de autom\u00f3vil confiable y asequible o negocios, propietarios de viviendas confiables o <\/span>el seguro para inquilinos<\/span><\/a>, dir\u00edjase a Altra Insurance Services. Para una cobertura de alta calidad y un excelente servicio al cliente, comun\u00edquese con nuestros agentes experimentados. Ll\u00e1menos hoy al (800) 719-9972 para saber c\u00f3mo puede ahorrar dinero en todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

El seguro de autom\u00f3vil de cobertura completa se llama as\u00ed porque brinda una gama de cobertura m\u00e1s amplia que la que normalmente se incluye con la cobertura m\u00ednima b\u00e1sica requerida para conducir legalmente. Este tipo de seguro de veh\u00edculo es m\u00e1s una inversi\u00f3n que una cobertura b\u00e1sica, pero puede valer la pena siempre que sepa lo que ser\u00e1... <\/p>\n

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