Key 1: That suits the characteristics of the vehicle
It is important to know what the coverage that best suits your new vehicle . For example, if you bought a new car or high end, it is always advisable to hire what is known as "full insurance" to protect any low incidence that you suffer and minimize the cost of repairs . However, if you have made a car second hand , maybe a " third party insurance "is sufficient. Note that the more years and miles have the car, the higher the price you pay for insurance.Key 2: Discuss the variables that influence the final price
You need to be aware that the price of the insurance policy varies according to some variables like the car will stay in the street, exposed to adverse weather or damage caused by third parties, if the driver I spent years driving or novel as well as his age (usually the fewer years of experience and younger, the more expensive the insurance), or the number of miles per week / month that you plan to enjoy (not comparable given the use of the van a delivery company that is given to a particular car uses only weekends). Scan While all these issues because, when you compare insurance, it is very common to find questionnaires to analyze these situations.Key 3: Best price vs. better coverage
And we come to the crux of the matter: the price. Internet has opened the door of the comparator insurance online , in just a few minutes to allow us to compare the prices and coverage of most of the insurance companies operating in the market. And with the number already in hand, we are assailed by doubt, are the cheapest insurance as reliable as the more expensive? The answer to this question is not easily answered. It is true that there are often vast differences between each other, but these variations in price will usually be determined by the type of coverage they provide . When cheap basic coverage usually correspond to which we can add at will other benefits that will increase the final price: insurance moons, anti-theft, car replacement, etc..Besides this type of bonuses , for some years there is another determining factor in setting the price of our insurance factor: the franchise.
Key 4: What is that franchise?
This is a clause that sets a limit on liability for damage to the vehicle. Take a practical example:I have taken out a full insurance with excess of 300 euros. After a few months, some unscrupulous pick a key and cause damage to the body whose settlement amounts to 2000 euros. In this case the lessee (person policyholder) will be responsible to pay up to 300 euros franchise, and the insurance company the rest. If, for example, should cost under $ 200, the insured will have to pay the total up to 300 euros / dollar franchise.
Obviously, the higher the value of the franchise, will be cheaper insurance.
Key 5: Traditional Office vs. Virtual Office
Many people prefer to deal directly offered by offices traditional. However, there are insurance companies that do not have physical offices, but virtual . Why? To reduce personnel costs and offer more products affordable and therefore, more competitive. In fact, those companies that do that have branches in every city, offer significant discounts to those who hire insurance over the Internet. The final decision, of course, is a matter of personal preference.Key 6: Attention to the fine print and go!
A little touch of antención before the final decision: the small print is always important . To have full product knowledge that are hiring, you must read the fine print at the end of the document. Avoid unpleasant surprises.Finally, the policy already contracted and ready to start the car, remember to get the insurance papers in the glove compartment. The law requires us to present the document if an agent of state security we demand it.
