Como É Calculado O Valor Do Seguro?

Como É Calculado O Valor Do Seguro?

Além disso, vale ressaltar que o ano do veículo indicado na Tabela refere-se ao ano do modelo e não são considerados veículos para uso profissional ou especial, tendo em vista o rápido desgaste ou a maior utilização. Isto se dá dessa forma porque na apólice constam as cláusulas e condições gerais, assim como as especiais e particulares, do seguro. Ao buscar um corretor, você deve averiguar se o profissional é regulado pela SUSEP (Superintendência de Seguros Privados) – órgão responsável pelo controle e fiscalização dos mercados de seguros no Brasil. Como você pode conferir, são inúmeras as situações em que o seguro pode socorrê-lo. Por fim, darei algumas dicas que poderão ajudá-lo a economizar no momento de contratar o serviço de seguro.

Como você pôde ver, o valor do seguro do carro é calculado com base em diversos critérios. Porém, basicamente, tudo gira em torno do risco assumido pela seguradora, que é proporcional ao valor do prêmio. Então, você não sofre essa penalização se tiver comprado um automóvel seminovo, mas pode pagar mais por um zero quilômetro, se houver histórico de sinistro na sua direção. Devido a isso, se você escolhe uma franquia que oferece um custo mais baixo, o valor do seguro do carro acaba ficando maior. Então, na prática, você economiza um pouco todos os meses, mas vai gastar mais quando precisar do serviço.

As opções consideram o estado de conservação do veículo, lugar de uso, a idade do veículo e dos equipamentos opcionais que possui. Portanto, procure o auxílio de um corretor de seguros e não perca mais tempo. O serviço de seguro é importante e proporciona uma maior segurança a você.

Mas não é possível prever o valor dessa franquia, sem que haja uma cotação do serviço. Isso porque, o valor tende a variar de acordo com uma série de fatores e não é algo fixo. Assim, ela é interessante para quem não deseja gastar muito em situação de imprevisto. Ou seja, com ela, o segurado não paga um valor nem tão alto e nem tão baixo, caso precise acionar o sinistro. Desse modo, o valor irá variar de acordo com as circunstâncias, mas a ideia é que essa opção seja um meio termo capaz de atender a maioria dos clientes.

Como saber o valor do seguro de um veículo?

Preço Do Seguro Auto Gol

Indica-se esse tipo de franquia do seguro auto para os casos em que os carros estão mais sujeitos a riscos. Ou mesmo, quando os motoristas são mais imprudentes, com maiores chances de se envolverem em um sinistro. Nós nos esforçamos para proteger a privacidade de sua conta e de outros dados pessoais que mantemos seus em nossos registros, mas infelizmente não podemos garantir total segurança. Para determinar o risco, é feito um questionário com as especificações do carro, informações e hábitos do cliente.

Porém, como a empresa é a grande responsável pelos custos de um sinistro e terá que lidar com os ricos, o prêmio do seguro costuma ser bem maior. Ao mesmo tempo, é importante ressaltar que nem todas as seguradoras disponibilizam essa opção. Até mesmo o seguro de um automóvel é bem mais barato nos Estados Unidos do que no Brasil.

Você Tem Duas Opções Para Fazer Esta Ligação

Instalar rastreadores e bloqueadores além de diminuir o prejuízo em caso de roubo ou furto, também é algo que tem impacto no custo final do seguro. Os valores que apresentamos podem ser usados para pesquisa e orientação de quem está pesquisando sobre o seguro auto e quer saber se anda recebendo boas propostas. No momento nosso sistema online inclui as seguradoras Porto Seguro, Azul Seguros e Itaú Seguros. Informando seus dados uma única vez você terá acesso ao comparativo entre essas 3 seguradoras. Agora você pode calcular e adquirir seu seguro automóvel sem sair de casa, 24 horas por dia, 7 dias por semana.

Seus Direitos Como Titular Dos Dados

Mesmo que você escolha um modelo mais barato, se ele for muito visado para furtos e roubos, o seu seguro será mais caro. Após escolher um seguro auto, leia a apólice e tire todas as suas dúvidas. Se você tinha essa dúvida, certamente conseguimos trazer alguns pontos que influenciam porto seguro seguros nesse sentido. Para uma contratação efetiva, é importante buscar por uma empresa que ofereça produtos de qualidade, com um bom atendimento e com condições que condizem com a sua realidade. O primeiro aspecto que influencia no valor do seguro é a idade do motorista.

Por exemplo, para a seguradora A o Honda Civic pode pagar mais por ter um índice de furtos maior do que o Toyota Corolla, mas na seguradora B o cenário pode ser exatamente o inverso. E isso pode ocorrer com endereço, idade do segurado ou com qualquer outro fator. Além disso, como explica Antunes, embora sigam critérios semelhantes, cada empresa determina o peso que cada um dos itens terá na composição do preço.

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