¿Cómo funciona el seguro de autos?

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles AARP de The Hartford.

How Car Insurance Works

How does car insurance work? “How does car insurance work?” We know this question is asked regularly. Knowing how car insurance works is important to make sure you’re protected every time you’re behind the wheel. To make sure you have the right insurance coverages for your car, start by finding an insurance company that you can trust. If you get into a car accident, your car insurance can help pay for injuries or property damage after you file a car insurance claim.
Finding the right seguro para autos is easier than you think, especially if you’re shopping online. In fact, you can research coverages, get a quote and buy car insurance online all from the comfort of your home. Before you get started, it helps to know the answers to these questions:
  • What type of car do you drive?
  • How many miles a year do you drive?
  • ¿Dónde vive?
  • What is your driving history?
  • Who will drive your car?
  • Did you have any gaps in car insurance coverage?

What Is Car Insurance?

Car insurance can help pay for:
  • Repairs
  • Medical expenses
  • Rental fees
What is car insurance? Your state likely has car insurance requirements for certain coverages that you’ll need to follow. Learn more by reading through our auto insurance definitions.

What Is the Purpose of Auto Insurance?

Why is car insurance important? Without it, you’d have to pay for costly claims out of pocket. This could put your personal assets at financial risk. If you’re wondering how to find the best car insurance company, start by researching as many as you can. This will help you comparar los seguros para autos quotes and the benefits that each insurer offers. For example, we offer extra perks that drivers can enjoy with their car insurance policy, such as helping find a repair shop or getting a rental car.

How Does a Car Insurance Deductible Work?

How does car insurance deductible work When you get a car insurance policy, you’ll choose your coverage limits and deductible. If you get into a car accident and file a claim, you’ll have to pay a deductible before you get coverage from your policy.
Deductible amounts can range from $250, $500 and $1,000. If you choose a high deductible, your rate for car insurance may go down, but you’d have more out-of-pocket claims costs. The opposite is also true if you choose a lower deductible, so you’d have lower out-of-pocket costs, but your rate may increase.

What Does Car Insurance Cover?

Your car insurance can help you cover different costs if you get into an accident. We offer different las coberturas de seguro para autos that you can add to your policy, such as:

¿Necesito un seguro para autos?

Most states require drivers to carry car insurance. If you don’t, you’re not only responsible for claims costs, but can also face fines, penalties and possible criminal charges.
Your state’s car insurance laws will tell you the minimum amount you need for bodily injury liability and property damage liability coverages. It’s up to you if you want to add more coverage. Remember if you have more coverage, you can avoid paying out of pocket for repairs or injuries. For example, if you add collision coverage and comprehensive coverage, this can be considered full coverage auto insurance.
We can work with you to help you understand how much car insurance you need and get the right amount of coverage for your car insurance policy. You can start by getting a cotización de seguro para autos. Or find out how to switch car insurance.

How Is Car Insurance Priced?

When you get a quote, insurers use a car insurance calculator to determine your cost. They look at different factors, such as your:
  • Driving record because a clean claims history means you’re a safe driver.
  • Location, since more populated areas can increase your risk of an accident, vandalism or theft.
  • Coverage history to make sure you’ve had continuous auto insurance protection.
  • Vehicle details, such as the make, model and year.
  • Driving habits because the more you drive in a year, the higher your rate may be.
  • Deductible amount because a higher deductible can lower your rate.
Every car insurance policy is unique to the driver. Our specialists can help you get the right policy and let you know what your car insurance cost per month will be.

How Long Does It Take to Get Car Insurance?

How long does it take to get car insurance? The Hartford makes make it easy for you to find the right car insurance. Within a few minutes, you can get a quote for the AARP® Auto Insurance Program from The Hartford.1 From there, you can easily purchase a car insurance policy:

Common Questions About How Car Insurance Works

How Does Auto Insurance Work for Rentals?

If you’re driving a rental car and have rental car insurance coverage, you may not need additional insurance that the rental company offers. You’ll be able to skip their coverage offering that pays for medical bills, theft or vandalism.
Más información sobre if you need rental car insurance.

Does Car Insurance Cover the Person or the Car?

Typically, car insurance covers the car. So, if someone else drives your car and gets into an accident, your insurance company helps cover the claims.

How Does Insurance Determine Car Value?

How does insurance determine car value? If you get into an accident and your vehicle is totaled, it means repairs cost more than the value of your vehicle. After you file a claim, car insurance companies can use information from an appraisal company and an adjuster to determine a car’s value. Insurers make offers based on the actual cash value of a car, which is less than the replacement costs, or what it’ll cost you to get a new vehicle.
Última actualización: 21 de septiembre de 2023
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.