The Cars – Your trusted partner in pre-owned car sales.
Choosing a used car is a smart decision that balances quality and savings. However, once the vehicle is in your hands, a key question arises: how do you choose the best insurance for your used car? In Spain, having adequate insurance is not only mandatory but also protects your investment and provides peace of mind on the road. In this guide by The Cars, we explain everything you need to know to get the best insurance for your pre-owned vehicle.
Yes, there are key differences when insuring a used car compared to a new one. For example:
Understanding these details is essential to choose the policy that best fits your needs.
In Spain, you can choose from several types of policies based on the level of protection you require:
Third-Party Insurance (Mandatory)
This is the minimum coverage required by law and protects against damages caused to third parties in an accident. It is ideal for older cars (8–10+ years) with low market value.
Extended Third-Party Insurance
This includes basic third-party coverage with additional protections such as:
This is a good intermediate option for used cars in good condition.
Comprehensive Insurance
This provides the highest level of protection, covering damages to your own car regardless of fault. It is most suitable for newer used cars or those with higher value.
Comprehensive Insurance with Deductible
A more affordable version of full coverage where you agree to cover part of the expenses in case of a claim. It is recommended for those seeking broad coverage at a lower price point.
Selecting the best insurance for your used car requires careful consideration of several factors:
Car Age and Condition
Older cars may not require full coverage. However, if your car is relatively new or still has significant value, more comprehensive coverage may be the best choice.
How the Car Will Be Used
Driver History
Your driving record and claim history influence your insurance premium. Drivers with a clean record often receive lower rates.
Price Comparison
Use online comparison tools to evaluate offers from different insurers, focusing on policies tailored to used cars.
Roadside Assistance
Ensure that roadside assistance is included in the policy, especially for older vehicles.
At The Cars, we don’t just help you find the perfect used car in Costa del Sol—we also collaborate with trusted insurers to offer the best insurance options. Our advantages include:
Once your insurance is in place, make sure to:
Conclusion
Choosing the best insurance for your used car may seem complex, but with the right information and guidance, the process becomes much simpler. At The Cars, we’re here to assist you every step of the way—from finding the perfect vehicle to securing the ideal insurance policy. Visit us in Costa del Sol and let us help you hit the road with confidence!
