For the safety and comfort of road users -and around you- when you drove the car on the road, it is recommended that you have car insurance
Choosing Car Insurance
So you will avoid the problems of unwanted, especially concerning large expenses. Follow some of these tips to help choose the type of car insurance you need.Note clausa. Generally there are two types of car insurance, which is a total loss and all risk. Total loss only reimburse the cost of the vehicle is lost, whereas all risk cover damage to the car when you crash into another vehicle and also third parties. With the value of higher premiums, the insurance all risk you can add cover riots, floods, and earthquakes. And, some insurance companies such as ACA or OTO Guard is equipped with a 24-hour towing service, so you can be ready to help whenever and wherever you are.
Calculate the value of the premium and discount. When selecting the right insurance for the vehicle
You, note the value of the premium and pieces that you can be. For example, for the value of all risk premiums, ranging from 2.8 - 3.5% of the value of your vehicle, and usually you can get a premium discount of up to 15%. But keep in mind, whether the price cuts reduce the number of facilities that you can? Even if you get a low premium, but at the time of the crash, instead complicate your insurance, you should not choose a (more) expensive but easier for you?
Checks workshop colleagues. Each car insurance company -where shoulder has had a working relationship with the body repair workshop. Then, when you want to make a claim, the insurance company usually offers several options to policyholders workshop. Instead, before you put the vehicle into the workshop, review the first, and look at how they work and the quality of workmanship. Thus, after the car was left there for repair, you will not be disappointed with the results.
Pay attention to the reduction of the value of the vehicle. For those who want to pay the premium value that is lower, you may deduct the value of the vehicle up to 5% of the premiums offered. However, it should be noted that if it is done-eg, when your vehicle can no longer be repaired or replaced from the loss of value of the company remains on a contract basis at the beginning.
10-year-old vehicles. For vehicles that have been aged 10 years or older can only be covered by insurance total loss. Insurance risk does not apply to all such vehicles. Premium value ranges from 1.8-to 2.2%.