How to save on insurance costs when buying a new car

When you are buying a new car, you want to find ways to save on car insurance. There are many ways in which you can save on the cost of your insurance when you buy a new car.

Check car rating

Insurers charge more for cars with high claims rates, regardless of owner's driving history. Some charge you less for collision coverage and full coverage if your car has a good score for durability and safety. Check the stats on the new car you want before you buy it.

Increase your deductible

If you can afford it, consider increasing your deductible. The idea is that you can be prepared to pay for the damage yourself so that the insurance company does not have to do so in case of an accident. They like this. So, if you can do it and transfer the risk to yourself, then you might be able to
Reduce your premiums by up to 40%. Then you can take part of those savings and put them in an emergency fund, still coming out at the top.

Reduce old car coverage

If you have an old car that you are replacing with the new one, you should reduce the amount of collision coverage you have. The reason for this is that insurance companies will pay no more to fix a car than the car is worth. Therefore, if you have an older car and the damages are $12.000 but the value in the Blue Book of your older car is only S10, 000, they will not repair the car and instead will probably give you the $10.000.

Cars over five years old, depending on their value, but are not worth the collision and insurance coverage to all risks. Remember that each year of depreciation decreases the maximum claim you can make with collision coverage.

Use the same company

If you already have a car and are getting ready to buy a new one, be sure to use the same company to get your policy. Insurance companies will give you discounts if you put more than one car in the same policy. Often you can get more than 15% off the policy by doing this. The same is true if you combine your car insurance with your home insurance.

Avoid quotas

If you can avoid it, do not pay in monthly or quarterly installments. If you can afford it, pay the premium in a single payment. Insurance companies tend to charge additional charges if you pay premiums in monthly or quarterly installments.

Best Credit Score

Insurance costs are strongly tied to your credit history and insurance claims. In many states, your credit score has a direct impact on the rates you are given. You should check your credit score in depth to make sure everything is correct and that there are no errors.
If you have bad credit, work hard to recover it systematically while you pay your bills on time, repair your debts, etc. Then come back every time the score gets better to ask about lower rates from your insurance company.

Secure your property to an atmospheric event

We are at the peak of the season of storms and hurricanes, and with the recent passage of Hurricane Irma and Maria and the consequences of them, we remember the need to know the insurance policies that protect our residence against casualties, hurricanes, Earthquakes and fires, as well as flooding policies in the areas it applies.

There are different insurance policies that protect our property. The one that all property has is the claims policy. As part of the requirements when you mortgaged your property, the claims policy protects you and the financial institution with which you made the transaction. This policy covers fires, earthquakes and hurricanes. (Vandalism cover item is optional and additional). The flood policy is mandatory for any property mortgage in floodable areas. These two policies are required for all mortgage transactions.

There are packages-type policies, with which you can protect personal property. All policies have cover and deductible limits. These indicate how long, how and how much the policy will respond to you.

The most important thing with regard to an eventuality like this type of recent atmospheric events is that your property is safe, that you have exercised prudence, with protections, shutters, that you have safeguarded your property and your important belongings, because It's part of your policy.

Reviewing the policy to cover new structures, facilities, and improvements added to the home is extremely important. If you did not check them, it is very likely that these improvements are not covered. That policy you took on the closing day, be sure to check it periodically to cover the changes in your home.

It is important to know that if for any reason, within your mortgage you are not making your regular monthly payment or if you are not accumulating in your reservation for insurance, the bank will place an insurance in a forced manner to protect you like the collateral of the bank. This policy is your responsibility to pay at the time because your monthly payment and levels of reservation will be affected. In case of an event that affects your home, if your property has a forced policy, it is covered.

Medical malpractice in a cosmetic surgery, who covers the damage?

It is No secret that the number of cosmetic surgery operations around the world is quite high. Only in the year 2013 were carried out in Spain around 65,000 of which, 87.7% were made to women. The most performed aesthetic operation was breast augmentation.

Although there are much less cases of failure than success, there are also, and taking into account that the percentage welcomes more and more users who go through the operating room, it is natural that the patient wants to know who would take care of the damage in case of Neglig Medical gum when performing a facelift or if it is, for whatever reason, go wrong. Before analyzing this, it is important to know that not all aesthetic operations are the same.

Does my insurance cover the realization of cosmetic surgery?

There are two major branches in plastic surgery: aesthetics and Reconstructive. The first is done with the intention of improving the aesthetic aspect of a part of the body, while the second is done for medical purposes and for health reasons.

Aesthetic Plastic Surgery

Since cosmetic surgery does not aim to repair or improve a health problem, it is not covered by Social security and also by private health insurance. There are cases of policies in which you can get coverage of a part of it or a discount, but it is not usual.

Reconstructive Plastic Surgery

Reconstructive surgery can be and is, in fact, covered in many health policies as it is a medical necessity. Now, in case something goes wrong in an operation of either type, who is responsible for covering the impact of the affected?

Who covers the damage in case of medical malpractice when performing cosmetic surgery?
In the case of cosmetic surgery, Spanish law obliges all professionals who exercise this profession privately to have a liability insurance that can respond to the complaints of patients in the event of an error or negligence Medical.

If the operation has been carried out through public health, we will have to contact the administration itself to make the corresponding claims, although it is interesting to know that those responsible for public health services They usually have contracted insurance for damage coverage in the event of such mishaps.

If you plan to do a facelift soon it is important that you take into account this data, both to choose the health insurance that best suits you on the basis that can help you to lower the costs of your intervention, as to know who you should address in case of Q There is a problem in the EU.

6 tips for hiring a Motorcycle Insurance

More and more citizens are betting on the purchase of a motorbike. In Spain, according to the Association of European Motorcycle Manufacturers (ACEM) Sales of this type of vehicles grew in 2016 16.1% compared to the previous year. There are many advantages to these two-wheeled vehicles. For example, avoiding traffic, searching for parking in rush hour or fuel consumption are some of them.

With the arrival of good weather, the appearance of motorcycles in circulation is triggered. So it is not too much to remember some points that you have to keep in mind when hiring a motorcycle insurance. As with cars, motorcycles in Spain are obliged to possess, at least, a liability insurance to be able to circulate. Here are some things you should consider before deciding on a specific policy.

Don't forget to cancel your previous insurance

If you make the decision to change company, you should take into account what the insurance contract law establishes. In its article 22 specifies the obligation to communicate with 1 month in advance to your current company The decision not to renew the policy with them. Otherwise, the insurer will automatically renew the policy for another year. The most common way to notify the company of the desire not to renew the policy is through written notice. Once you have done the paperwork and received the response of your company on the low of your insurance, you can hire another policy with the insurer you want.

Check out the coverages and types of insurance

The main purpose of a motorcycle insurance is to cover in case of accident or incident, so knowing exactly which are the coverage contracted or the limits of these is very important. Remember to analyze well what coverages you really need. It's not about having the best, but choosing the best suited to your needs.

Depending on the use you are going to make of the bike, the years of age it has, its value, as well as the place of parking or the number of kilometres you are going to go, you will have to choose between a more complete or basic insurance modality. The options with which you count when hiring a motorcycle insurance are mainly 4: Third basic, with travel assistance, extended and all risk with franchise. Each one of them has specific coverages. unfranchised All-risk insurance is a virtually non-existent product for motorcycles.

Choose the form of payment that interests you the most

Paying in a single fee the insurance premium is usually the cheapest option. However, most insurers give the option to their clients to be able to divide the payment on a monthly, quarterly or half-yearly basis. Yes, you should be aware that this type of payment may cause some surcharge on the part of the company, and the more payments you share, the higher the surcharge will be.

Occasional drivers in motorcycle insurance

Motorbike insurances, like cars, can cover more than one person. As a general rule, when hiring a policy of this type only one principal driver is indicated but, in cases where more than one person is going to drive the vehicle, most of the insurers allow to include them as occasional drivers.


However, we must pay attention to this point, as there are companies that do not allow second drivers and force to cover this risk in a nominal way, which means that both the taker, driver and owner of the bike are the same person. So, in this case there would only be one person authorized to drive the vehicle.

Look at the conditions of the company before a sinister

On the other hand, do not forget to read the conditions of the insurance company if you have a claim. To be able to freely choose the workshop where to take the motorbike in case of accident or breakdown, the assistance on trip, to know if the policy includes accident insurance for the driver the insured quantities or the indemnifications, are some of the characteristics more Important things to consider before you decide on a company.

Another essential coverage that is not always included in the motorcycle insurance is the one that covers the personal injury and material of the passenger. If you usually have an escort, it is important to include this coverage that will take care of the injured person's medical expenses. On the other hand, it is necessary to verify the limitations of this guarantee, as they usually have very low amounts.

Compare Motorcycle Insurance

Choosing a motorcycle insurance can get very complicated due to the great deal that is on the market. For this reason you can find the safest insurance and avoid ending up paying more, entering the motorcycle insurance Rastreator.com. Just fill out a questionnaire with some data and select the type of insurance you want to hire, plus you can see the different coverages and decide which is best suited to your risk profile.

Five things you need to know about education insurance

These are key facts that probably not aware in insurance.

Education latches came to the country about 16 years ago and have some data and benefits that people are unaware and which are designed to meet the needs of families interested in investing in the education of their children or relatives.

These products help reach that careers such as architecture, which has a cost of $1540 per semester, in the most expensive University in the country can be solved in advance way and without having to buy any kind of financial institution debt.

An alternative to saving

Insurance to cover educational costs of the school or the University, help parents save and not to make last-minute payments representing a financial imbalance for the family. This means that you can arrive at the right time with a capital that covers totally or partially a student tuition for college or University.

These savings can also be complemented with plans that include coverage of life, personal accident and diseases of different types to make the investment more profitable.

Manage your time and choose their quotas

The timing is everything when you take the decision to acquire educational insurance, if done in advance, it is much more feasible and comfortable for family planning current and future finances properly.

Several of the companies that offer them have minimal time to begin saving, which can be, depending on the case, of the three to five years before the start of the disbursement of the money.

In addition, each family can choose the amount of monthly money who want to save for their children's education. This a great advantage of insurance educational since it allows quotas to conform to each applicant's ability and are also comfortable for the family economy.

Each company figures vary, but can range from 150 pesos monthly to the value that the family you want to save, but keep in mind that between higher share, you'll get one sum in the agreed period. However, so is unable to collect the full tuition at the time when the child begins their studies, yes you'll get an amount that will help pay for their education.

It applies to studies abroad

Many educational insurance in the country covers totally or partially the value of studies conducted outside the country, which nowadays extends the spectrum of options for a young man who wants to, for example, study medicine in places like Europe or the United States. It is important to clarify that beneficiaries may be both undergraduate studies as graduate in educational institutions as his favorite as well as will have the benefits of insurance that you choose.

Change of career or course programmes

Thanks to policies that offer education latches, can be solved this option as it is normal that young people are undecided about his professional future, so options who choose at the beginning can vary throughout their studies; but this should not become a problem or distress for parents because both child and family benefit, may change college career and even academic institution.

On the other hand, there are students who decide to study various academic programs at the same time, which is also viable with insurance policies that pay these programs exhausting six-month highs of university educational income in accordance with the agreed with the chosen insurance company.

Change of beneficiaries

This is a value option, since it should be able them to another person, that is not necessarily a son instead of beneficiary, insurance companies give the option to change it. For example, if you have registered a daughter as beneficiary, but she achieves a high academic level and got a scholarship, then is you can make the second child's education or also support education of nephews, or even the spouse.

5 Tips for Hiring the best pet insurance

If you have a dog or a cat safe and you worry to not miss anything: balanced food, rides and exercise and all the attention of the world. Unfortunately, sometimes all this is not enough and we see how our pet suffers an accident or sick. For these situations are specific insurance for dogs and cats. These policies allow to contract a cover of damages to the animal and even a guarantee of veterinary assistance. These 5 tips to hire the best pet insurance will help you find the ideal policy to protect your dearest friend:

1-look for those insurance that offer you within their basic benefits the coverage of the expenses of veterinary assistance, consultations, medication, diagnostic tests or surgical interventions in case of accident of your pet. In the unfortunate case that the animal died, this type of damage coverage guarantees an indemnity to the owner.

2-Some insurance includes in its coverage of damages the reimbursement of the costs of insertion of advertisements in press or radio in case of loss. 

3-The third of the 5 tips to hire the best pet insurance refers to a very interesting coverage, which covers the reimbursement of the expenses of the stay of the animal in a residence or center in case of hospitalization of the owner.

4-The best policies offer complementary benefits very practical for the owners, as telephones of attention where to solve doubts of veterinary character, to consult questions about the feeding of the mascot or to receive information on all type of Services related to the world of dogs and cats, such as residences, breeders or contests and exhibitions.

5-Good insurance offers optional guarantees of recruitment, such as veterinary assistance for animal disease, which includes consultation expenses, diagnostic tests and laboratory analyses. Surgical interventions, hospitalization, and home veterinary care expenses are also included. 

Some policies offer the possibility to go to their hospitals and veterinary clinics collaborating, or to choose freely the desired center and make a reimbursement of the expenses.

Considering these tips you can choose a pet insurance that deals with real care of your dog or cat.

7 tips for hiring good travel insurance

In travel, as in life, to be prevented is synonymous with tranquility. Therefore, more and more travelers are clear that hiring good travel insurance is the next step, after booking flights and the hotel, in preparing a trip.

The best thing about travel insurance is not having to get to use it ever, but if you have a medical need or any other mishap, having a good insurance will ensure that you are well cared for and the help you need to solve your problem with the greatest ease. As we know that sometimes it can be somewhat complex to choose a policy or another, we will tell you the keys to get you with the one you need.

Travel insurance where you should not advance the money

If you hire insurance with a high medical coverage to go quietly and at the time you need to advance money out of your pocket, it will serve you well. Also, the last thing you want in case you need medical assistance is that your travel insurance will make it difficult for you with payments and paperwork. For this reason, it is advisable to hire travel insurance that takes care of medical expenses, both visits and transportation and medicines.


It is highly recommended that you choose a travel insurance without franchise, so that you are clear from the outset that under no circumstances will you be responsible for expenses. You should know, yes, that if for urgent reasons you go to a medical center before you contact your insurer, you may have to advance expenses and then you will be reimbursed at the return of your trip.

Travel insurance that treats you in your language

Whatever insurance coverage you choose, it is extremely important that if you need to use them, be treated in your own language. It may sound first to something secondary but it is more important than it seems. Imagine that in a difficult moment you have to explain in a language that you do not control any type of ailment that you are suffering, for example, in your stomach. The fact of calling and being taken care of in your own language ensures that you will be treated correctly and in the most appropriate place.

Another important factor to consider when it comes to talking about telephone attention is the fact that you can contact for free. Insurance brokerages such as IATI Seguros offer the possibility to call by collect in the countries that allow it or to request the reimbursement of the call in which they do not give such option.

Travel insurance with the possibility of travel cancellation

What if the problem arises before the trip? Many travellers do not know this possibility, but there are travel insurances that have an "override" or "cancellation" clause. This means that, within the limits contracted, you will be assured the reimbursement of the expenses of the trip that you can not finally make and that suppliers like those of flights or hotels do not cover directly. A trip insurance with cancellation ensures that you return many of the expenses hired in case you are unable to enjoy your trip in a lot of different situations.

Travel Insurance 100% adapted to the trip you are going to make

In the same way that when you fly to a cold place you include in your luggage warm clothes and when you choose a beach destination do not forget your swimsuit, when hiring a good travel insurance is important to choose one that suits the trip you are going to make.

Not all trips are the same, just as you need your insurance in a Europe getaway is not the same as what you need if you travel to the United States or Thailand. In the first case, you may not need a high amount of medical expenses if you have the European health card, but you have to cover the repatriations or baggage. In the second case you have to look for a high amount of medical expenses to make sure that the complementary coverages protect you also before the typical delays of the flights or the baggage.

In addition, there are insurances with provisions adapted to cruises, trips with children, adventure sports, study trips and even long-term travel insurance. Be sure to choose the one that best suits your needs and do not make the mistake of assuming that everyone covers the same way.

Travel Insurance for all ages

There are few travel insurance companies that hide in their small print clauses in which they deprive, on the grounds of age, many of their benefits to some people. Travel does not understand ages, and therefore it is important that the insurance brokerage you choose has products "for all publics." At IATI Seguros, for example, all of your products are available regardless of age, except for the backpacking IATI, a travel insurance thinking for backpackers and adventure sports lovers that is available up to 70 years.

Travel insurance that will group all members of the trip

The last thing we want in case of a mishap during a trip is that you have to go home. But if that happens, the repatriation clause will take care of taking you back. A detail that is often forgotten is that, if the members of the trip are in different policies, they will not cover more than the repatriation of the affected. Therefore, if you plan to travel with your partner, it is advisable that you contract a travel insurance that covers both of you, instead of insurance for each one. In this way, in case one needs to be repatriated, the other will also be covered and can accompany you on the return trip.

A travel insurance that is not only "nice and cheap"

When it comes to quiet travel it is not good to look for the "nice and cheap", because it can often lead to misleading offers or whose small print hides more than it shows. The process of finding a good travel insurance usually starts like finding cheap flights: Select dates, origin, destination and number of travelers. If you look only at the first result that is shown maybe you fall into the purchase of an insurance that, although it seems very economic, does not really offer as many coverages as one that costs a few euros more. The main thing you should look at before you opt for one or the other is the coverages it offers. If you are going to compare between two or more travel insurance, remember not only to do it with the price and study all its features. There is a lot of difference, for example, between insurance that for €25 offers a medical coverage of €15,000 and one that for €30 offers coverage of up to €40,000