{"id":2052,"date":"2026-10-02T18:00:18","date_gmt":"2026-10-02T18:00:18","guid":{"rendered":"https:\/\/axasegurodeauto.com.mx\/blog\/?p=2052"},"modified":"2026-10-02T18:00:20","modified_gmt":"2026-10-02T18:00:20","slug":"suma-asegurada","status":"publish","type":"post","link":"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/","title":{"rendered":"Suma asegurada AXA: \u00bfqu\u00e9 es y c\u00f3mo se calcula?"},"content":{"rendered":"\n<p>La <strong>suma asegurada AXA es el monto m\u00e1ximo que la aseguradora paga por un siniestro cubierto en cada cobertura de la p\u00f3liza.<\/strong> En un seguro de auto, los da\u00f1os materiales y robo total, se define con base en el valor comercial de tu veh\u00edculo y dependen del deducible como tu indemnizaci\u00f3n. Puedes consultarla en la car\u00e1tula de tu p\u00f3liza.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFQue_es_la_suma_asegurada_en_un_seguro_de_auto_AXA\" >\u00bfQu\u00e9 es la suma asegurada en un seguro de auto AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFDonde_veo_la_suma_asegurada_de_mi_poliza_AXA\" >\u00bfD\u00f3nde veo la suma asegurada de mi p\u00f3liza AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFComo_se_determina_la_suma_asegurada_de_mi_auto\" >\u00bfC\u00f3mo se determina la suma asegurada de mi auto?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#Valor_comercial_valor_convenido_y_valor_factura\" >Valor comercial, valor convenido y valor factura<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFComo_afecta_la_suma_asegurada_a_tu_deducible\" >\u00bfC\u00f3mo afecta la suma asegurada a tu deducible?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFQue_pasa_con_la_suma_asegurada_si_tu_auto_es_perdida_total\" >\u00bfQu\u00e9 pasa con la suma asegurada si tu auto es p\u00e9rdida total?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFQue_pasa_si_tu_suma_asegurada_es_muy_baja_o_muy_alta\" >\u00bfQu\u00e9 pasa si tu suma asegurada es muy baja o muy alta?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#Tips_para_elegir_una_buena_suma_asegurada\" >Tips para elegir una buena suma asegurada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#Preguntas_frecuentes\" >Preguntas frecuentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFLa_suma_asegurada_es_lo_mismo_que_la_prima\" >\u00bfLa suma asegurada es lo mismo que la prima?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFComo_se_cual_es_mi_suma_asegurada\" >\u00bfC\u00f3mo s\u00e9 cu\u00e1l es mi suma asegurada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFPuedo_cambiar_mi_suma_asegurada\" >\u00bfPuedo cambiar mi suma asegurada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/suma-asegurada\/#%C2%BFLa_suma_asegurada_de_mi_auto_baja_con_el_tiempo\" >\u00bfLa suma asegurada de mi auto baja con el tiempo?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_suma_asegurada_en_un_seguro_de_auto_AXA\"><\/span><strong>\u00bfQu\u00e9 es la suma asegurada en un seguro de auto AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Es el l\u00edmite m\u00e1ximo de responsabilidad de la compa\u00f1\u00eda para cada cobertura contratada. Es decir, aunque el da\u00f1o sea mayor, <a href=\"https:\/\/axasegurodeauto.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">AXA <\/a>no pagar\u00e1 m\u00e1s que ese tope.<\/p>\n\n\n\n<p>Cada cobertura tiene su propia suma asegurada:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Da\u00f1os materiales y <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-seguro-con-cobertura-de-robo-total\/\" target=\"_blank\" rel=\"noreferrer noopener\">cobertura por robo total<\/a>:<\/strong> se calculan sobre el valor del auto (valor comercial, convenido o factura, seg\u00fan lo que aparezca en tu car\u00e1tula).<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/seguro-danos-a-terceros\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seguro da\u00f1os a terceros<\/a>:<\/strong> es un monto fijo para los da\u00f1os que causes a terceros.<\/li>\n\n\n\n<li><strong>Gastos m\u00e9dicos ocupantes:<\/strong> es un monto por ocupante del veh\u00edculo.<\/li>\n<\/ul>\n\n\n\n<p>Toma en cuenta que la suma asegurada no es lo que pagas por el seguro. Eso es la prima, la suma asegurada es lo m\u00e1ximo que la aseguradora te pagar\u00eda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFDonde_veo_la_suma_asegurada_de_mi_poliza_AXA\"><\/span><strong>\u00bfD\u00f3nde veo la suma asegurada de mi p\u00f3liza AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Abre la car\u00e1tula de tu <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/poliza-de-seguro-de-auto-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u00f3liza AXA<\/a> (documento que recibes al contratar).<\/li>\n\n\n\n<li>Busca la tabla de coberturas: ah\u00ed aparece cada cobertura con su suma asegurada y su deducible.<\/li>\n\n\n\n<li>Tambi\u00e9n puedes consultarla en tus documentos digitales con tu <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/numero-de-poliza-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">n\u00famero de p\u00f3liza AXA<\/a> o preguntar a tu agente.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_se_determina_la_suma_asegurada_de_mi_auto\"><\/span><strong>\u00bfC\u00f3mo se determina la suma asegurada de mi auto?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>AXA toma en cuenta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Marca, modelo, versi\u00f3n y a\u00f1o del veh\u00edculo.<\/li>\n\n\n\n<li>Valor del auto a la fecha de contrataci\u00f3n o <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-seguros-renovacion\/\" target=\"_blank\" rel=\"noreferrer noopener\">renovaci\u00f3n AXA<\/a>.<\/li>\n\n\n\n<li>Tipo de valor elegido: valor comercial, convenido o factura.<\/li>\n\n\n\n<li>Equipo especial que hayas declarado (rines, audio, adaptaciones). Se suma al valor del veh\u00edculo cuando se contrata.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_comercial_valor_convenido_y_valor_factura\"><\/span><strong>Valor comercial, valor convenido y valor factura<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tipo de valor<\/strong><\/td><td><strong>\u00bfQu\u00e9 es?<\/strong><\/td><td><strong>\u00bfCu\u00e1ndo conviene?<\/strong><\/td><\/tr><tr><td><strong>Valor comercial<\/strong><\/td><td>Valor de mercado del auto a la fecha del siniestro. Se actualiza con el tiempo.<\/td><td>Autos usados o con uso diario; es el m\u00e1s com\u00fan.<\/td><\/tr><tr><td><strong>Valor convenido<\/strong><\/td><td>Monto que pactan t\u00fa y la aseguradora al contratar y que queda fijo en la p\u00f3liza.<\/td><td>Autos de colecci\u00f3n, modificados o dif\u00edciles de valuar.<\/td><\/tr><tr><td><strong>Valor factura<\/strong><\/td><td>El precio al que compraste el auto, seg\u00fan factura.<\/td><td>Autos nuevos, normalmente durante el primer a\u00f1o. [VERIFICAR condiciones]<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_afecta_la_suma_asegurada_a_tu_deducible\"><\/span><strong>\u00bfC\u00f3mo afecta la suma asegurada a tu deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En los paquetes de AXA, el deducible se expresa como <strong>porcentaje de la suma asegurada o del valor comercial<\/strong>. Seg\u00fan los paquetes publicados por la aseguradora:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Cobertura<\/strong><\/td><td><strong>Amplia Plus<\/strong><\/td><td><strong><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-amplia-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura amplia<\/a><\/strong><\/td><td><strong>Amplia B\u00e1sica<\/strong><\/td><td><strong><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/seguro-de-auto-axa-cobertura-basica\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura b\u00e1sica<\/a><\/strong><\/td><\/tr><tr><td>Da\u00f1os materiales<\/td><td>3%<\/td><td>5%<\/td><td>8%<\/td><td>No incluye<\/td><\/tr><tr><td>Robo total<\/td><td>5%<\/td><td>10%<\/td><td>12%<\/td><td>10%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Por ejemplo, si tu auto tiene un valor comercial de $250,000 y tienes Amplia Plus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deducible en da\u00f1os materiales (3%): $7,500<\/li>\n\n\n\n<li>Deducible en robo total (5%): $12,500<\/li>\n<\/ul>\n\n\n\n<p>Esto significa que entre mayor sea la suma asegurada, mayor ser\u00e1 el monto en pesos de tu deducible, aunque el porcentaje sea el mismo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_con_la_suma_asegurada_si_tu_auto_es_perdida_total\"><\/span><strong>\u00bfQu\u00e9 pasa con la suma asegurada si tu auto es p\u00e9rdida total?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seg\u00fan las <a href=\"https:\/\/axa.mx\/seguro-autos\/seguro-de-auto-individual\" target=\"_blank\" rel=\"noreferrer noopener\">condiciones generales de AXA<\/a>, <strong>existe p\u00e9rdida total por da\u00f1os cuando el costo de reparaci\u00f3n supera el 75% de la suma asegurada o valor comercial<\/strong> del veh\u00edculo. En ese caso, la indemnizaci\u00f3n se calcula sobre ese valor y se descuenta el deducible.<\/p>\n\n\n\n<p>Hay un caso adicional, en la <strong>cobertura de p\u00e9rdida total por colisiones y volcaduras, el umbral que se considera es<\/strong> <strong>50% del valor comercial<\/strong> (verifica si aplica en tu paquete y cobertura contratada).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_tu_suma_asegurada_es_muy_baja_o_muy_alta\"><\/span><strong>\u00bfQu\u00e9 pasa si tu suma asegurada es muy baja o muy alta?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Muy baja (infraseguro):<\/strong> si tu auto vale m\u00e1s de lo que aparece en p\u00f3liza, tu indemnizaci\u00f3n puede quedarse corta ante un siniestro grave.<\/li>\n\n\n\n<li><strong>Muy alta (sobreseguro):<\/strong> pagar\u00edas una prima m\u00e1s alta sin recibir un pago mayor, porque la indemnizaci\u00f3n se basa en el valor real del bien al momento del siniestro.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_para_elegir_una_buena_suma_asegurada\"><\/span><strong>Tips para elegir una buena suma asegurada<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Consulta el valor de tu auto en la gu\u00eda de precios de uso frecuente antes de renovar.<\/li>\n\n\n\n<li>Declara el equipo especial (rines, audio, adaptaciones) para que quede amparado.<\/li>\n\n\n\n<li>Compara paquetes considerando el deducible en pesos, no solo el porcentaje.<\/li>\n\n\n\n<li>Si tu auto es de colecci\u00f3n o est\u00e1 modificado, pregunta por valor convenido.<\/li>\n\n\n\n<li>Verifica cada renovaci\u00f3n que la car\u00e1tula coincida con lo que contrataste.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_suma_asegurada_es_lo_mismo_que_la_prima\"><\/span><strong>\u00bfLa suma asegurada es lo mismo que la prima?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No, la prima es lo que pagas por tener el seguro; la suma asegurada es lo m\u00e1ximo que la aseguradora te pagar\u00eda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_se_cual_es_mi_suma_asegurada\"><\/span><strong>\u00bfC\u00f3mo s\u00e9 cu\u00e1l es mi suma asegurada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Est\u00e1 en la car\u00e1tula de tu p\u00f3liza, junto a cada cobertura y su deducible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_cambiar_mi_suma_asegurada\"><\/span><strong>\u00bfPuedo cambiar mi suma asegurada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, normalmente puedes solicitarlo al renovar o con tu agente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_suma_asegurada_de_mi_auto_baja_con_el_tiempo\"><\/span><strong>\u00bfLa suma asegurada de mi auto baja con el tiempo?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Con valor comercial, el valor se actualiza a la fecha del siniestro y suele reducirse conforme el auto se deprecia. Con valor convenido, el monto queda fijo durante la vigencia.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-midnight-gradient-background has-background wp-element-button\" href=\"https:\/\/axasegurodeauto.com.mx\/\"><strong>\u00a1Cotiza aqu\u00ed!<\/strong><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La suma asegurada AXA es el monto m\u00e1ximo que la aseguradora paga por un siniestro cubierto en cada cobertura de [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":2053,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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