{"id":5491,"date":"2011-05-27T12:35:01","date_gmt":"2011-05-27T12:35:01","guid":{"rendered":"http:\/\/www.comparaonline.com\/prensa\/?p=5491"},"modified":"2017-10-06T13:44:41","modified_gmt":"2017-10-06T16:44:41","slug":"seguros-de-auto-que-deducible-contratar","status":"publish","type":"post","link":"https:\/\/www.comparaonline.cl\/blog\/autos\/seguro-automotriz\/seguros-de-auto-que-deducible-contratar\/","title":{"rendered":"Seguros de auto: Qu\u00e9 deducible contratar"},"content":{"rendered":"
\"seguros<\/a>
Seguros de auto.<\/figcaption><\/figure>\n

Los deducibles de los seguros de auto<\/strong><\/a> son la suma de dinero que la compa\u00f1\u00eda de seguros<\/strong> no cubre (o indemniza) en caso de ocurrir un siniestro. Por lo tanto, al contratar seguros de auto con deducible<\/a><\/strong>, el asegurado desembolsar\u00e1 esa parte del da\u00f1o, mientras que el seguro <\/strong>s\u00f3lo cubrir\u00e1 el monto que supere dicho deducible pactado en la p\u00f3liza de seguros.<\/strong><\/p>\n

Por ejemplo, si se tiene asegurado un bien por un valor de $300.000 con un deducible de $50.000, si el da\u00f1o del bien es menor a $50.000, la aseguradora no debe pagar nada.<\/p>\n

Generalmente, los deducibles de los <\/strong><\/a>seguros de auto<\/strong><\/a> var\u00edan de 0 a 10 UF seg\u00fan el plan contratado. Los seguros sin deducibles<\/a><\/strong> (deducible cero), si bien cubren por completo los da\u00f1os, son los m\u00e1s caros del mercado, ya que para las aseguradoras es muy costoso mantenerlos.\u00a0 Si su idea es ahorrar<\/a>, el consejo es no \u201csobreasegurarse\u201d. La mejor alternativa<\/a><\/strong> no siempre es comprar un seguro de auto con deducible cero.<\/p>\n

Al ser m\u00e1s caros, hay veces en que no compensan ese \u201cpago de m\u00e1s\u201d que est\u00e1s haciendo por ellos. Por ejemplo, para un mismo auto, el seguro automotriz sin deducible<\/strong> <\/a>cuesta 23 UF, mientras que el seguro con deducible<\/a><\/strong> 3 UF vale 16 UF. La diferencia de precio es de 7 UF. Esto significa que -si chocas dos veces durante el a\u00f1o- te conviene contratar un seguro con deducible<\/a><\/strong> 3 UF. As\u00ed pagar\u00e1s las 16 UF por la prima m\u00e1s 3 UF en cada siniestro, o sea 22 UF, que es menos que lo que te costaba el seguro sin deducible. Un deducible 3 UF es bastante conveniente si es que chocaras una o dos veces al a\u00f1o.<\/strong><\/p>\n

Los precios de los seguros de auto <\/strong>var\u00edan en las distintas compa\u00f1\u00edas seg\u00fan sus deducibles, por lo que para realizar una compra inteligente es conveniente comparar la mayor\u00eda de las opciones de las aseguradoras. Puedes hacerlo gratis y de forma online a trav\u00e9s de nuestro comparador en l\u00ednea<\/strong>. Cotiza seguros de auto<\/strong><\/a>, obt\u00e9n resultados instant\u00e1neos y compra el seguro m\u00e1s conveniente.<\/p>\n","protected":false},"excerpt":{"rendered":"

Hay diversas opciones para quienes buscan una buena relaci\u00f3n entre precio y calidad. <\/p>\n","protected":false},"author":45,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1277],"tags":[],"class_list":["post-5491","post","type-post","status-publish","format-standard","hentry","category-seguro-automotriz"],"yoast_head":"\nSeguros de auto| Qu\u00e9 deducible contratar<\/title>\n<meta name=\"description\" content=\"Opciones para quienes buscan una buena relaci\u00f3n entre precio y calidad.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparaonline.cl\/blog\/autos\/seguro-automotriz\/seguros-de-auto-que-deducible-contratar\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seguros de auto| Qu\u00e9 deducible contratar\" \/>\n<meta property=\"og:description\" content=\"Opciones para quienes buscan una buena relaci\u00f3n entre precio y calidad.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparaonline.cl\/blog\/autos\/seguro-automotriz\/seguros-de-auto-que-deducible-contratar\/\" \/>\n<meta property=\"og:site_name\" content=\"ComparaOnline\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/comparachile\/\" \/>\n<meta property=\"article:published_time\" content=\"2011-05-27T12:35:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-10-06T16:44:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.comparaonline.cl\/blog\/wp-content\/uploads\/2011\/05\/seguros-de-auto.jpg\" \/>\n<meta name=\"author\" content=\"Clara Escobar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@compara_chile\" \/>\n<meta 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