Anyone who owns a car knows how important it is to keep their insurance up to date, but not everyone can afford a comprehensive plan to protect their car. And in this situation, popular vehicle insurance has become a viable alternative for homeowners seeking low-cost protection.
Its main attraction is the lower installments, with values that are equivalent to just a fraction of those found in traditional insurance. With considerably affordable monthly payments, there are companies that promise basic coverage for prices starting at R$50. But are they worth it?
What is Popular Vehicle Insurance?
Having insurance in 2025 is essential for anyone who wants to protect their vehicle against unforeseen events and avoid losses in adverse situations.
However, data indicates that only 30% of the vehicles that travel through Brazil have some type of insurance, which many attribute to the fact that paying for protection for a car can be quite expensive.
To resolve this situation, a few years ago the popular vehicle insurance, a simplified type of car insurance, created to offer essential coverage.
Unlike comprehensive insurance, in this modality insurers use things like refurbished or parallel parts in repairs, significantly reducing costs. This way, drivers can get protection against theft, robbery and accidents at very low prices.
Is Popular Insurance Still Available?
Popular vehicle insurance didn't last long, being closed shortly after being introduced to the market.
According to those responsible, the modality is no longer necessary with the emergence of more advantageous products, specifically created for those looking for simpler coverage.
These new services are more specific, often tailored exclusively to certain consumer profiles.
Just like the popular vehicle insurance, they are low cost and cover essential items, such as theft and robbery. On the other hand, you need to keep an eye on the disadvantages, such as limited assistance and the lack of a spare car.
Is it possible to protect your car for just R$50 per month?
Researching the market, today there are several insurance options that fit anyone's budget, some of them with values even below R$50 per month.
One of the most famous, and the cheapest we found, is the Pier, a very flexible insurance with no deductible, with contracting from R$45 and even a 20% discount for new users.
Highlights include coverage against theft, total loss, partial damage, damage to third parties and natural disasters. Another benefit is that subscriptions can be made and managed directly through the app.
In addition to Pier, another insurance that is famous among drivers is Youse, which also offers insurance starting at R$45 per month and also allows the customer to choose between several coverages.
Both insurance policies are great, but it is important to note that they have some disadvantages. For example, Pier does not provide all of its services in the North region, while Youse limits its coverage to cars that are less than 15 years old and worth up to R$1,400,000.
You can also find other companies offering affordable auto insurance, such as Bradesco, with its plans with discounts on the bank's own card.
Step by Step Guide to Taking Out Popular Vehicle Insurance
When choosing insurance, it is important to check everything it offers to see if it will actually provide the coverage you need. Once you have chosen, simply access the platform and look for the option to get a quote and see what is available for your vehicle.
Below you will see a step-by-step guide on how this process works. Pier platform, which guarantees simulations in up to 26 seconds:
- Access Pier's quote page by clicking in this link;
- If you wish, enter the car's license plate so that the system can identify its characteristics;
- If you skipped the last step, you will have to manually enter data such as year, model and make of the car;
- In the next step, inform the use of the vehicle;
- Then say whether or not you have had other insurance in the last few months;
- Enter your personal details such as CPF and ZIP code;
- Finally, leave your WhatsApp and email for contact.
At the end of this process, the company will show you the available insurance plans and you can continue with the purchase if you are satisfied. The prices will depend on the vehicle insured and you can even customize the plan, adding or removing the desired coverage!
