{"id":2351,"date":"2022-10-25T10:57:17","date_gmt":"2022-10-25T10:57:17","guid":{"rendered":"https:\/\/beta.decisoesesolucoes.com\/escolher-melhor-seguro\/"},"modified":"2024-01-15T11:34:28","modified_gmt":"2024-01-15T11:34:28","slug":"escolher-melhor-seguro","status":"publish","type":"post","link":"https:\/\/www.ds360.pt\/en\/escolher-melhor-seguro\/","title":{"rendered":"How to choose the best insurance: 5 useful tips!"},"content":{"rendered":"<p>Finding the <strong>best insurance<\/strong>, whatever its nature, is a task that requires dedication and, above all, attention. Nowadays, there is a huge variety of products on the market, but not all of them correspond to what you <strong>really need<\/strong>.<\/p>\n<p>Regardless of the type of insurance you are looking for, it is important that you understand, on the one hand, what your needs are, and on the other, the characteristics of the products, in order to make a wise and considered choice.<\/p>\n<p>Therefore, we have put together some tips to help you choose the best insurance for your family at a <strong>fair price<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>&nbsp;1. Assess your needs to find the best insurance<\/strong><\/h2>\n<p>The best insurance for you is the one that meets your <strong>needs<\/strong>. So, identify specifically what you need. Here are some questions to think about:<\/p>\n<ul>\n<li>For <strong>car insurance<\/strong>: What use will you give the car (daily or sporadic)? What is the value of your vehicle? What are the risks associated with the route you usually take?<\/li>\n<li>If you are looking for <strong>health insurance<\/strong>: How often do you go to the doctor or does your family need medical care? Do you have a doctor you visit regularly? Do you wear glasses and want coverage for this purpose?<\/li>\n<li>In <strong>multi-risk insurance<\/strong>for the home: What are the characteristics of the property? Is it in a seismic risk area? Do you want to include the house stuffing?<\/li>\n<\/ul>\n<p>Once you have identified your needs, you will understand the type of <strong>protection<\/strong>&nbsp;you want and which <strong>coverage<\/strong>&nbsp;is best suited. This way, you won&#8217;t be tempted to take out (and pay for) coverage you don&#8217;t need.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>2. Carry out simulations and compare different products<\/strong><\/h2>\n<p>Now that you know what you&#8217;re looking for, simulate the coverage you&#8217;ve defined as essential and <strong>compare<\/strong>&nbsp;the different insurance policies on the market.<\/p>\n<p>When analyzing the different <strong>simulations<\/strong> pay attention:<\/p>\n<ul>\n<li>To coverage (the occurrences or losses that the insurance includes);<\/li>\n<li>Deductibles (the amount you are responsible for if you participate in an incident);<\/li>\n<li>The premium (the amount you will pay for the insurance);<\/li>\n<li>The waiting period (the time you have to wait before you are entitled to use the insurance).<\/li>\n<\/ul>\n<p>The <strong>value of the premium<\/strong>&nbsp;depends on the type of risk insured and is defined by the insurer. Therefore, keep in mind that the final value of the insurance can be influenced by several factors. Such as: the age of the holders or the assets insured, the place where they live, their health history, accidents, etc.<\/p>\n<p>To be able to effectively compare different proposals, place identical coverage in all simulations and pay special attention to exclusions and <strong><b>deductibles<\/b><\/strong>.<\/p>\n<p>Finally, make sure that the prizes meet your <strong>financial availability<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>3. Negotiate the best insurance<\/strong><\/h2>\n<p>After comparing the values and coverage of policies available on the market and having clarified all your doubts, you will be in a position to <strong>negotiate<\/strong>.<\/p>\n<p>Whether it is new insurance or a renewal, having an idea of what the market offers gives you <strong>an advantage<\/strong>&nbsp;when negotiating conditions and values for your policy.<\/p>\n<p>Some ways to get a <strong>discount<\/strong>&nbsp;on the prize are:<\/p>\n<p class=\"header2\">\u2713 Choose to pay in full instead of in installments;<br \/>\n\u2713 Include other insurance for your second car;<br \/>\n\u2713 Subscribe to available housing or health insurance.<\/p>\n<p>This way, you will have a greater chance of obtaining <strong>better conditions<\/strong>&nbsp;for your insurance while <strong>saving money<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>4. Pay attention to refund, exclusion, and grace period policies<\/strong><\/h2>\n<p>All insurance contracts include <strong>clauses<\/strong>&nbsp;referring to exclusions, refunds and waiting periods. This information is expressed in the <strong>general conditions of the policy<\/strong>&nbsp;present in the <strong>contract<\/strong>.&nbsp;These aspects are particularly important, as:<\/p>\n<ul>\n<li>The <strong>exclusions&nbsp;<\/strong>define everything that the insurance does not cover;<\/li>\n<li><strong>Refunds<\/strong>consist of the amount returned after reporting an incident or expense;<\/li>\n<li>The <strong>grace period<\/strong>is the period between the beginning of the insurance contract and the date on which you can begin to take advantage of certain coverage.<\/li>\n<\/ul>\n<p>Therefore, pay attention to <strong>details<\/strong>&nbsp;when looking for the best insurance for you, your family or property.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>5. Ask for expert help<\/strong><\/h2>\n<p>With more than 10 years of experience in insurance mediation, <a href=\"https:\/\/decisoesesolucoes.com\/blog\/decisoes-solucoes-crescimento\" target=\"_blank\" rel=\"noopener\">DECIS\u00d5ES E SOLU\u00c7\u00d5ES<\/ a>&nbsp;works with a large number of insurance companies in Portugal and mediates insurance such as:&nbsp;life, health, automobile, personal accidents, <a href=\"https:\/\/decisoesesolucoes.com\/blog\/seguro-vida\" target=\"_blank\" rel=\"noopener\">multi-risk housing<\/a>, work accidents and others.<\/p>\n<p><strong><b>DECIS\u00d5ES E SOLU\u00c7\u00d5ES<\/b><\/strong>&nbsp;has a <strong>team of experts<\/strong>&nbsp;that can help you throughout this process, ensuring that you<strong>save time and money<\/strong>. The objective is to help you purchase the <strong>best insurance<\/strong>&nbsp;for you, according to your real needs.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/decisoesesolucoes.com\/mediacao-seguros\" target=\"_blank\" rel=\"noopener\">Visit our website<\/a>&nbsp;for more detailed information and contact us for assistance custom. We will help you find the best insurance for you and your family!<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center\"><a style=\"padding: 16px 20px;background-color: #e0de00;font-weight: 600;color: #000000\" href=\"https:\/\/decisoesesolucoes.com \/mediacao-seguros\" target=\"_blank\" rel=\"noopener\">FIND OUT MORE<\/a><\/p>\n<p>&nbsp;<\/p>\n<p style=\"font-size: small\">Decis\u00f5es e Solu\u00e7\u00f5es &#8211; Credit Intermediaries, Lda, registered with the Bank of Portugal, as a Linked Credit Intermediary, under no. 926, verifiable at www.bportugal.pt\/intermediarios -credito is a mediator registered with the ASF, since 29 September 2009, with the category of Insurance Agent, under no. 409311648\/3, with authorization for Life and Non-Life, verifiable at www.asf.com.pt. The insurance intermediary does not assume risk coverage. Decisions and Solutions \u2013 Media\u00e7\u00e3o Imobili\u00e1ria, Lda, holder of AMI License No. 9300 issued by IMPIC, I.P.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding the best insurance for your needs can be a daunting task. Discover how to find the most advantageous solution for you!<\/p>\n","protected":false},"author":3,"featured_media":1352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[140],"tags":[213,148,226,223,227,228,186,229,194,217,230,231,203],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/posts\/2351"}],"collection":[{"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/comments?post=2351"}],"version-history":[{"count":1,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/posts\/2351\/revisions"}],"predecessor-version":[{"id":2521,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/posts\/2351\/revisions\/2521"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/media\/1352"}],"wp:attachment":[{"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/media?parent=2351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/categories?post=2351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ds360.pt\/en\/wp-json\/wp\/v2\/tags?post=2351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}