Five common mistakes that make your car insurance more expensive
Five common mistakes that make your car insurance more expensive
Saving on car insurance doesn’t mean giving up on the protection you need. Very often, small mistakes when choosing or managing your policy can make your premium higher than it should be. At Certo Seguros, we help clients every day to optimize their coverage and avoid unnecessary costs. Here are the five most common mistakes that make your car insurance more expensive – and how to avoid them.
1. Not comparing quotes
One of the most frequent mistakes is automatically renewing your policy without checking alternatives. Each insurer has its own criteria for calculating premiums, and the price difference between offers can be significant.
Tip: Before renewing, always request quotes from different companies. A broker can do this comparison for you, saving you both time and money.
2. Choosing coverage that doesn’t match your vehicle
Many drivers choose comprehensive insurance for cars over 10 years old, when the market value no longer justifies it. On the other hand, some only opt for third-party coverage on new vehicles, leaving themselves exposed to major risks.
Tip: Match the type of insurance (Third Party, Intermediate, or Comprehensive) to the age and value of your car.
3. Not paying attention to the deductible
The deductible is the amount the policyholder pays in the event of a claim. Choosing a very low deductible can significantly increase the annual premium. A deductible that is too high, however, can be financially painful after an accident.
Tip: Consider your driving profile and choose a balanced deductible that lowers your premium without putting you at financial risk.
4. Forgetting to update driver information
Changes such as moving house, driving fewer kilometres per year, or installing new safety systems in your car can positively impact your insurance premium. Many drivers don’t notify their insurer of these changes and end up paying more.
Tip: Always inform your broker about any relevant changes to your profile or your vehicle.
5. Overlooking available discounts and benefits
Some insurers offer discounts for annual payments, safe driving, no-claims history, or even for installing security devices. Not knowing about these benefits means missing out on important savings.
Tip: Always ask for a list of available discounts and check how you can take advantage of them.
Avoiding these five mistakes can result in significant savings and most importantly, in protection that is truly suited to your needs. At Certo Seguros, we analyse your profile, compare multiple insurers, and ensure you get the most advantageous solution.
Request your free quote today and discover how much you can save on your car insurance without giving up the protection you need.
Andreia Arenga
05.05.2025
All rights reserved. This article is protected by copyright and may not be reproduced, distributed, transmitted, or used, in whole or in part, without prior written permission from Certo Seguros Lda. All registered trademarks, company names, logos, and products mentioned are the property of their respective owners.
Five common mistakes that make your car insurance more expensive
Five common mistakes that make your car insurance more expensive
Saving on car insurance doesn’t mean giving up on the protection you need. Very often, small mistakes when choosing or managing your policy can make your premium higher than it should be. At Certo Seguros, we help clients every day to optimize their coverage and avoid unnecessary costs. Here are the five most common mistakes that make your car insurance more expensive – and how to avoid them.
1. Not comparing quotes
One of the most frequent mistakes is automatically renewing your policy without checking alternatives. Each insurer has its own criteria for calculating premiums, and the price difference between offers can be significant.
Tip: Before renewing, always request quotes from different companies. A broker can do this comparison for you, saving you both time and money.
2. Choosing coverage that doesn’t match your vehicle
Many drivers choose comprehensive insurance for cars over 10 years old, when the market value no longer justifies it. On the other hand, some only opt for third-party coverage on new vehicles, leaving themselves exposed to major risks.
Tip: Match the type of insurance (Third Party, Intermediate, or Comprehensive) to the age and value of your car.
3. Not paying attention to the deductible
The deductible is the amount the policyholder pays in the event of a claim. Choosing a very low deductible can significantly increase the annual premium. A deductible that is too high, however, can be financially painful after an accident.
Tip: Consider your driving profile and choose a balanced deductible that lowers your premium without putting you at financial risk.
4. Forgetting to update driver information
Changes such as moving house, driving fewer kilometres per year, or installing new safety systems in your car can positively impact your insurance premium. Many drivers don’t notify their insurer of these changes and end up paying more.
Tip: Always inform your broker about any relevant changes to your profile or your vehicle.
5. Overlooking available discounts and benefits
Some insurers offer discounts for annual payments, safe driving, no-claims history, or even for installing security devices. Not knowing about these benefits means missing out on important savings.
Tip: Always ask for a list of available discounts and check how you can take advantage of them.
Avoiding these five mistakes can result in significant savings and most importantly, in protection that is truly suited to your needs. At Certo Seguros, we analyse your profile, compare multiple insurers, and ensure you get the most advantageous solution.
Request your free quote today and discover how much you can save on your car insurance without giving up the protection you need.
Andreia Arenga
05.05.2025
All rights reserved. This article is protected by copyright and may not be reproduced, distributed, transmitted, or used, in whole or in part, without prior written permission from Certo Seguros Lda. All registered trademarks, company names, logos, and products mentioned are the property of their respective owners.
