{"id":339,"date":"2025-07-11T16:13:29","date_gmt":"2025-07-11T16:13:29","guid":{"rendered":"https:\/\/axasegurodeauto.com.mx\/blog\/?p=339"},"modified":"2025-09-25T18:44:26","modified_gmt":"2025-09-25T18:44:26","slug":"deducible-de-axa","status":"publish","type":"post","link":"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-de-axa\/","title":{"rendered":"\u00bfC\u00f3mo funciona el Deducible de Axa?"},"content":{"rendered":"\n<p>Cuando contratas una <strong><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/poliza-de-seguro-de-auto-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u00f3liza de seguro con AXA<\/a><\/strong>, es muy importante que conozcas c\u00f3mo funciona el Deducible de AXA. Ya que, determina cu\u00e1nto pagar\u00e1s en caso de un siniestro.<\/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\/deducible-de-axa\/#%C2%BFQue_es_el_deducible_Axa_en_un_seguro_de_auto\" >\u00bfQu\u00e9 es el deducible Axa en un seguro de auto?<\/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\/deducible-de-axa\/#%C2%BFComo_funciona_el_deducible_en_AXA\" >\u00bfC\u00f3mo funciona el deducible en AXA?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-de-axa\/#Deducible_por_danos_materiales\" >Deducible por da\u00f1os materiales<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-de-axa\/#Deducible_por_robo_total\" >Deducible por robo total<\/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\/deducible-de-axa\/#%C2%BFCuando_no_aplica_el_deducible\" >\u00bfCu\u00e1ndo no aplica el 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\/deducible-de-axa\/#%C2%BFSe_puede_eliminar_o_reducir_el_deducible\" >\u00bfSe puede eliminar o reducir el deducible?<\/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\/deducible-de-axa\/#Consejos_para_elegir_tu_deducible\" >Consejos para elegir tu deducible<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_deducible_Axa_en_un_seguro_de_auto\"><\/span><strong>\u00bfQu\u00e9 es el deducible Axa en un seguro de auto?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El deducible es la <strong>cantidad de dinero que debes pagar <\/strong>de tu bolsillo cuando ocurre un siniestro, antes de que AXA cubra el resto de los da\u00f1os.<\/p>\n\n\n\n<p>Por ejemplo, si tienes un deducible del 5% sobre el valor comercial de tu auto y cuesta $200,000 pesos, tu deducible ser\u00eda de $10,000. Si sufres un choque con da\u00f1os de $40,000, t\u00fa pagar\u00e1s $10,000 y AXA cubrir\u00e1 los $30,000 restantes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_funciona_el_deducible_en_AXA\"><\/span><strong>\u00bfC\u00f3mo funciona el deducible en AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El deducible en AXA aplica para dos coberturas:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Da\u00f1os materiales.<\/li>\n\n\n\n<li>Robo total.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deducible_por_danos_materiales\"><\/span><strong>Deducible por da\u00f1os materiales<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Se aplica cuando tu veh\u00edculo sufre da\u00f1os f\u00edsicos a causa de un accidente, fen\u00f3menos naturales o actos vand\u00e1licos. Pues, el deducible est\u00e1ndar es del 5% del valor comercial el auto.<\/p>\n\n\n\n<p>Por ejemplo, si el valor de tu coche es de $150,000, el deducible ser\u00e1 de $7,500. Con <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-pago-en-linea\/\">AXA <\/a>solo cubre los da\u00f1os si el monto de reparaci\u00f3n es superior a ese valor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deducible_por_robo_total\"><\/span><strong>Deducible por robo total<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Aplica cuando tu auto es robado y no se recupera, para este caso, el deducible puede variar, pero en la mayor\u00eda de los casos es del <strong>10% del valor comercial<\/strong>.<\/p>\n\n\n\n<p>Para ejemplificar el deducible por robo, si te roban el coche con valor de $180,000, AXA te pagar\u00e1 $162,000 y t\u00fa absorber\u00e1s los $18,000 del deducible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_no_aplica_el_deducible\"><\/span><strong>\u00bfCu\u00e1ndo no aplica el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hay situaciones en las que <strong>AXA no cobra el deducible<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si el <strong>otro conductor es culpable<\/strong> y tiene un seguro vigente.<\/li>\n\n\n\n<li>Si cuentas con la cobertura de <strong>deducible cero<\/strong>, que puedes contratar como adicional.<\/li>\n\n\n\n<li>En algunos planes, como el de <strong>auto protegido AXA<\/strong>, puedes tener beneficios de reducci\u00f3n o eliminaci\u00f3n de deducible.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_eliminar_o_reducir_el_deducible\"><\/span><strong>\u00bfSe puede eliminar o reducir el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>S\u00ed, AXA ofrece coberturas opcionales para reducir o eliminar el deducible:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cobertura de deducible cero por p\u00e9rdida total.<\/li>\n\n\n\n<li>Reducci\u00f3n de deducible en agencia.<\/li>\n\n\n\n<li>Beneficio de deducible protegido por siniestros menores.<\/li>\n<\/ul>\n\n\n\n<p>Esto puede implicar una prima m\u00e1s alta, pero te da mayor tranquilidad en caso de accidentes graves o robo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consejos_para_elegir_tu_deducible\"><\/span><strong>Consejos para elegir tu deducible<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Eval\u00faa tu presupuesto:<\/strong> el deducible bajo implica una prima m\u00e1s cara y un alto reduce el costo del seguro, pero aumenta lo que pagas si sufres un siniestro.<\/li>\n\n\n\n<li><strong>Considera el valor de tu auto:<\/strong> Si tu auto ya es antiguo o su valor es bajo, quiz\u00e1 no convenga pagar mucho por un deducible.<\/li>\n\n\n\n<li><strong>Analiza tu historial de manejo:<\/strong> Si eres un conductor precavido y rara vez tienes incidentes, podr\u00edas considerar un deducible m\u00e1s alto para ahorrar en la prima anual.<\/li>\n<\/ol>\n\n\n\n<p>Eval\u00faa tus necesidades, compara coberturas y no dudes en preguntar a tu agente por opciones como deducible cero o reducci\u00f3n de deducible. As\u00ed, estar\u00e1s protegido sin sorpresas al momento de un accidente o robo.<\/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>Cuando contratas una p\u00f3liza de seguro con AXA, es muy importante que conozcas c\u00f3mo funciona el Deducible de AXA. Ya [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":370,"comment_status":"closed","ping_status":"closed","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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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-auto-axa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>\u00bfC\u00f3mo funciona el Deducible de Axa?<\/title>\r\n<meta name=\"description\" content=\"Descubre c\u00f3mo saber cu\u00e1nto cuesta el deducible en AXA Seguros y c\u00f3mo puedes revisarla en tu p\u00f3liza de seguro.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-de-axa\/\" \/>\r\n<meta property=\"og:locale\" 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