Car insurance is one of the most important in our lives, if not the most. Its mandatory responsibilities covering, headaches avoiding at certain times or the number of policies comprising all contribute to their popularity. However, around 34 percent of people taking insurance coverage and know the fine print of the contract.
Then offer a Decalogue with leading counsel, to take out insurance for our car:
- Obligation . The first thing to know is that car insurance is mandatory. It should cover at least the driver's responsibility for damages, both personal and material, to third parties. Securing our car is an act of personal maturity, besides being mandatory from a legal point of view.
- Adjustment to actual needs. Companies offer solutions that fit like a glove, the demands of policyholders. It is important to buy a policy to cover what we really need, regardless of those coverages that do not meet our demands.
- Request Information. 's essential not self-conscious when asking for information on coverage, enforcement of the policy renewal premium calculation, green card etc.. Your insurer happy to answer all those questions.
- Select the right coverage . It is advisable to analyze the strengths and weaknesses of each points to choose the one that best suits our case (all risk, with and without excess, third party liability, unlimited liability ...).
- Price . The price is also very important when choosing a car insurance factor.However, we should not get carried away just for that aspect. The security that the contract provide us will be much more momentous. Consider, therefore, what services each company offers (main and additional coverages, payments etc).
- Compare and providing truthful information. before deciding which one is advisable to compare the same products from different insurers. When asking for a quote, we indicate whether the vehicle is to be driven under 25, or people with less than a couple of years old in the book.
- Check if it's worth a full insurance. fully comprehensive insurance cover for motor own damage guarantee, but granting compensation insurers tend to decrease over the years. From a certain point in the life of the car is more advisable to take out a policy to third parties.
- Consult a specialist broker. Hire insurance through a broker offers members full guarantees of safety and quality for being a legally regulated Fig.Also offer a professional and personalized counseling at no cost to the customer.
- Evaluate the possibility of hiring a franchise. utility franchise is twofold: first, lower insurance premiums because of claims for the little amount you assume, and secondly, that the insurance serves to reduce your costs small claims, which can offer cheaper insurance.
- Find reviews from other customers. Finally we must take into account the possibilities offered by the network to check and reviewing feedback from former clients either through forums or social networks.
If we follow all these steps, we are ready to choose the policy and the company adequate to our needs. All these premises are grouped into a basic idea: information, compare different companies like insurance, not be swayed by price alone and select a product that meets our real needs is the best way to not crash when choosing car insurance .
