Car insurance is one of the annual fixed costs involved
in owning a vehicle. It is a mandatory product, but the truth is that mandatory
minimum coverages are not many. Driving without car insurance is subject to
punishment, and also if we have no insurance and suffer a crash, walked over to
our car someone or burns, are aviados, right?
Before hiring a car insurance, it is advisable to
compare the more secure as possible, the better. With this initial effort will
gain two things: keep up in terms of offers and each insurance coverage, and
also have to find the insurance that best suits our needs. Then we will see the
seven keys to choose a good insurance for the car.
What hedges need
It is essential to know what we want to hire. Apart from
the mandatory coverages, which are usually Compulsory Liability Insurance
driver, Legal Assistance and Lunas, there is a wide range of possibilities when
underwriting coverage, which will increase the total price of insurance.
Depending on our needs and risk perception can subscribe coverage for theft or
fire, Travel assistance, vehicle replacement, withdrawal of license, or an All
Risks.
Obviously, if we do not live in a conflict zone and we
are not irresponsible driving, no coverage we can avoid and so cheapen insurance.
It is already a decision each, but should study it well.
To fully comprehensive or third party?
Some say that when a car is new (for the first three
years or so, since the purchase of the car) is better to hire a full risk, then
third party insurance. This is true if within the period of the first three
years, "we're going to take advantage" to the full insurance. That
is, in a safe and probably have a clause to recover much of the value of the
car in case of total loss. From the third to fifth year, we will recover that
value would be significantly lower.
Anyway I must say that the fine print of all-risk
insurance is also nice, and we see very
Thoroughly the exact coverage that all risks, at best,
is simply a third "on steroids." In most cases, the third party
insurance is enough, and is also much cheaper
With or without franchise franchise
A comprehensive insurance with excess is cheaper than
the one without excess, just in case we bear the cost of repairing the
partially or fully. This compensates (and so I said sounds pretty bad) if you
suffer a total loss and obtain a fairly high value of the car. Obviously,
nobody wants to have an accident, so in many cases back to before: maybe a
third and caution when driving to pay more money for a potential accident that
nobody wants
The profile of the driver
If we are young drivers under 25, we will have a plus
when it comes to paying premiums simply by accident of drivers in this age
group. That is, the statistics here do pay for the sins, but insurance
companies are interested in just that, statistics. As Solvency II comes into
force, these statistical constraints may be more lenient for the driver.
The annual mileage
If we do a few miles a year will have the greatest
chance to have a lower premium than someone who makes many annual miles. Again,
statistics and probability into play and say that the greater the number of
annual kilometers, more likely you are to have an accident. This is very unfair
as to which driver, since it can be argued that the greater the number of
annual kilometers, more training of the driver, and the fewer miles they become
more likely to provoke an incident. Actually, here only serves the likelihood
is a shame.
With replacement vehicle or not
Do you depend on the car to go to work? Are you a
professional wheel? You may need a replacement vehicle, or just compensate you
pay an extra cost to avoid the unavailability of your car. That is, there are
people who do not have car one day they can be very expensive, more expensive
than paying the extra coverage of replacement car. Think one thing, if that
extra pays off with a single fault that you can leave lying 24 hours, then
compensates. If you can live without it, do not hire this coverage.
Will I drive off public roads?
Are you a lover of "doing some stretches" your
SUV? Examine your policy covers well to see if these jackets departures Sunday
(I do not like to call Sunday best), and if it's actually not so bad and you cannot
think putting the car out there, remove it from your insurance. Of course, you
must know that if you go without coverage and you put your car in a hole in the
middle of nowhere, will cost a pick.
Photo Credit : Flickr.com
