Branda Corretora

Auto Insurance

Auto Insurance in Brazil: how it works and what’s included

Auto insurance protects your car against collision, theft, and damage to third parties. Branda compares quotes from several insurers and designs the right coverage for your profile, instead of pushing the most expensive package.

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How it works

  1. 1

    You send us the car and main driver’s details (a WhatsApp message or call takes a few minutes).

  2. 2

    We quote with several insurers at once and show you the options side by side, with price, deductible (your share of the cost), and included assistance services.

  3. 3

    You choose, sign, and the policy (your plan) is already active.

  4. 4

    If something happens, you talk to us first. We handle the contact with the insurer until it’s resolved.

Who it’s for

  • Any vehicle owner who wants protection against collision, theft, or robbery.
  • Anyone with an existing policy near renewal who wants to compare prices before auto-renewing.
  • Companies with a small fleet that need individual policies per vehicle.

What affects the price

  • Driver profile: age, years licensed, and claims history weigh most on the price.
  • Car model and year: cars with more expensive parts and repairs cost more to insure.
  • Where you drive and park overnight: neighborhoods with more theft tend to have a higher premium (what you pay).
  • Deductible chosen: a higher deductible lowers the monthly payment but increases what you pay if you file a claim.

Frequently asked questions

Comprehensive coverage or third-party only, which should I choose?

Comprehensive covers your own car (collision, theft, robbery) as well as damage to third parties. Third-party-only coverage only protects whoever you hit, not your own vehicle. For financed or higher-value cars, comprehensive usually pays off. We help you compare the cost of both before deciding.

Do I need an inspection to get a policy?

Most insurers require an inspection (photos or in person) before issuing the policy. We tell you upfront which insurer requires what, so there are no surprises after you choose.

What do I do if I’m in an accident?

If anyone is hurt, call 192 (SAMU, Brazil’s emergency medical service) first and ask for help. After that, talk to us or the insurer as soon as possible. We guide you on what to photograph, what to record, and how to file the report correctly, which helps avoid a denied claim due to incomplete information.

Can I switch insurers in the middle of my policy term?

It depends on your current policy, there’s a cancellation fee schedule for ending it early, and switching before the term ends isn’t always financially worth it. We always review your specific case to see if switching now makes sense or if it’s better to wait for renewal.

Can someone else drive my car?

Yes, but each insurer has its own way of defining who the main driver is. That’s why, before closing the policy, we ask the right questions to understand who actually drives the car most and make sure the declaration is filed correctly, this avoids problems if you ever need to file a claim.

Want to compare auto insurance prices?

Talk to us on WhatsApp and send your details. We compare insurers and reply the same day.

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