When going to insure a car, the high and varied amounts
of premiums make the maximum insured compare the conditions of each policy to
see what is best for you should not shoot the amount to be disbursed.
Few people contracting the core or compulsory insurance.
Usually opt for the extended insurance or by insurance with no excess or third
parties.
The latter, for without excess, much different in price
to the other options, which we wonder when is the case today in which one must
purchase insurance as a third expanded to opt for one with excess, since they
are the two policies that may seem more in price within the automobile
insurance lines.
First let's see what ensures each of these policies.
The expanded third party insurance, much as hedges are
extended only cover damages to the other party, including physical injury and
damage. This insurance will never cover the material costs have our vehicle
when the incident has been due to our fault.
The comprehensive insurance covers other duty own damage
(other than that he can produce a third) in case of accident to blame, but when
these are above a certain amount (which is what is called franchise and which
must always pay the insured in case of accident with guilt).
In the first case, the third expanded insurance allows
you to choose the extension of the Compulsory Liability Legal Defense and
Claims for damages, Travel assistance, the most common extensions without fault
of the driver of loss such as theft, fire and moons. These added coverages are
increasing the price of the premium and resembling that of with excess.
The chases with excess damage to our own vehicle in an
accident are covered by our fault, and the greater the amount of the excess to
pay in case of loss, plus the final amount of the insurance premium will appear
to expanded third.
The key factor that will force us to choose between
hiring either depend mainly on the characteristics of the vehicle to be sure,
and the accident history who has had the policyholder.
After the first and second year of the car, where we
always recommend that insurance is to hire no excess or a small franchise, the
third and fourth year of the car's value has fallen enough, but in the case of
a serious casualty even disbursement of the settlement is substantial, making
these two years would advise hiring a full insurance with a high deductible
that would pay the premium annually rather would reduce.
However, if the driving record that ensures the vehicle
indicates that annually always takes a part, you must take into account also
the premium is paid when the claim is made must be performed by a disbursement,
which perhaps relief is not should be very high. If the driver takes years
without parts, the franchise could be higher.
If we choose is to secure a car over 4 years, when the
value of new replacement vehicle has already lost a lot, it makes no sense to
insure against all risks duty since what lowers the premium for the policy on
employ this method makes approaching a third expanded.
Vehicles arrive at a specific date of service in which
its actual value does not compensate in any way insure against all risks,
because in case of total loss maybe compensation received does not even reach
the same value buy vehicle in the used market with the same features.
And of course, when the value of the property insured
low, the amount of the premium that we pay for secure must also lower.
If we aged the car the first two years the ideal is the
comprehensive insurance without excess, the 3rd and 4th year comprehensive
insurance with excess (depending on the type of car and use is given) and from
the 5th year extended insurance to third parties.
Factors such as sleep on the street or in the garage,
which is used daily or occasionally, are also points to consider when hiring
policy of our car.
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