DID YOU KNOW THAT YOU CAN SAVE INSURANCE BY PARKING IN A GARAGE?
Does having a parking space influence the price of insurance?
Park on the street or leave the car in a parking lot? It is
the question that many undecided drivers are asked about the best option for
their vehicle. Although the parking in the parking’s is paid, has many
advantages, starting with the assurance that our car will not be on the street,
exposed to all kinds of risks. You also save time looking for parking, and the
most important thing is that you will save money on the insurance policy.
WHY IS
INSURANCE cheaper IF I PARK IN PARKING?
The reason is very simple: insurers prefer that the car is
parked undercover because they reduce the risks of suffering mishaps such as
thefts, hits or frictions that imply the performance of the insurance. In
garages, it is more difficult for these situations to occur, so risk reduction
is accompanied by a reduction in the price you pay for car insurance. Of
course, the type of policy you have also influences.
For example, the main insurers of the market penalize
especially the drivers without a garage with coverage of their own damages,
which is included in all-risk insurance. In all-risk insurance, without excess, you can get to save 3.8% on the price of insurance if you park in a garage or
1.4% if you have comprehensive insurance with excess. Of course, there are also
some insurers that do not value the parking place at the time of establishing
their insurance.
PUBLIC OR PRIVATE GARAGE?
Another question we can ask when choosing where to leave our car at night is whether to opt for a public or private garage. Here the decision does not influence in any way since what interests the insurers is that your car is parked in a garage, it does not matter if it is the garage of your house or your farm or if you park it in public parking. Of course, you'll have to say when you're going to hire insurance to get the discount.
OTHER ADVANTAGES OF PARKING IN A GARAGE
Saving on car insurance is not the only advantage of parking
in a garage. As we have seen, one of the reasons to leave the car in a car park
is that the risk of suffering an accident or mishap of any kind is less, since
it is less exposed. It also reduces the risk of theft of external elements of
the vehicle, such as windshield wipers or the antenna, although these are now a
thing of the past.
In addition, parking your car in a garage will keep you safe
from inclement weather and environmental, which can damage car fluids,
windshield wipers, upholstery or car paint, both in summer and winter. The
battery is also affected by the weather, and parking undercover will help
prolong its life. Not to mention pollen, resin or bird poop, which can also
damage the body of the car if you usually park in areas with trees.
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