Automobile insurance is not just a smart choice for those who own a car, but in fact a legal necessity. Entreatanto, not only because it is mandatory that you should buy a car insurance policy. Being involved in a car accident or having your car stolen are bad things per se, and if you're protected by automobile insurance, you would at least avoid potential legal problems and financial resources. The insurance is there to protect their property, and so it is essential, since direr can sometimes result in unexpected accidents.
Explaining briefly, automobile insurance is a contract between you and an insurance company. To protect you from any financial loss in case of a car accident, you agree to pay the premium and the company will pay for their financial losses if you collide. This type of insurance is not a long term contract. Most policies last between 6 months and 1 year, and you have to renew the contract every time the policy expires. A good insurance plan covers not only vehicles for damage or theft of your car, but also its liability for property damage, medical and physical damage to you and others involved in the accident. There are different levels and categories of automobile insurance coverage:
Collision - such coverage pays for any damage to your car in the event of a collision with another vehicle or fixed objector.
Comprehensive - reimburses the car owner for loss or theft caused by reasons other than collisions. This includes vandalism, explosions, and tremolos cantata with animals, for example.
Legaly to physical damage - applies to any physical harm that you (the driver and owner of the policy) would cause any third party involved in the accident.
Legaly for property damage - insurance coverage for automobiles that not only pays for the car in which you hit, but also other types of properties such as fences, poles and so on.
sexta-feira, 20 de maio de 2011
HOW TO CHOOSE AUTO INSURANCE
Choose the right car insurance is almost as important or more important than choosing your own car or other vehicle, you can avoid many headaches in the future. The Car insurance is mandatory and is one of the important parts of the equipment of a vehicle. In case of accident, there may be injuries resulting in permanent disability or death, may give rise to lawsuits, medical expenses and property damage and can be blamed for that. Therefore the choice of insurance is important and should be mindful of ways to pay less for car insurance. However, do not buy insurance you do not need or have unnecessary coverage, which will pay a higher premium than the potential benefit it may have in case of accident. Start by defining what value attaches to your car (if it is a used one) and know what are the main coverages available. Time to decide, well read the whole contract and clarify what not to notice. An important factor in choice is to compare different products offered by insurance companies. Most are available online simulators that facilitate the entire comparative process.
Compulsory insurance of motor vehicle liability (liability insurance)
This type of insurance is important, covering personal injury and or property caused to others. Even if your car has a low commercial value, the damage it can cause in an accident can be unlimited and making claims and lawsuits can be scarce. It's a risk that drivers or owners of cars and other vehicles run. Therefore need to be rested for the event of an accident causing high costs. In addition, this insurance is compulsory by law.
What is fully justified, because it ensures that all accidents can have recovery and do not have to pay that amount. The lack of insurance can give the right to seize the vehicle, pay a fine and, in case of accident, liability of driver or owner of the vehicle for paying any compensation.
Capital optional
Although the minimum compulsory insurance of 600 thousand euros, the best thing to do is buy an insurance policy that covers more than what you think you may need. Prefer insurance which offers unlimited protection.
Roadside Assistance
Ensures any trailer in an accident on the road, transporting people and goods, and in some cases, a replacement car.
Legal expenses cover
Ensures legal defense in case of accidents, protection that begins to make sense, as the claims are becoming more common. This coverage can be the difference between spending a fortune on lawyers or have ensured that situation.
Coverage of persons carried
Compensation ensures the occupants of the vehicle insurance, liability regardless of the accident.
Coverage of malicious acts
It may be a protection and peace for those who live in areas complicated but much more expensive will the price of insurance.
Coverage of temporary deprivation of use
Unless your life depends on having the car at the door or have no other way to go, maybe it does not make much sense.
Coverage of natural disasters
Usually in these circumstances there more important things to worry about. You may never have to trigger this coverage.
Own damage insurance
Guarantees payment of losses in the insured vehicle, even if your driver has been responsible for the accident. Shock, collision or rollover, as well as fire, lightning or explosion are some of the usual toppings. Think if your car's value justifies the additional amount of premium you have to pay for this insurance, to defend themselves better and prefer to strengthen the liability insurance.
Look out also for Low-cost insurance, they have operating costs much lower values and can therefore cheaper comparing the same coverages.
Compulsory insurance of motor vehicle liability (liability insurance)
This type of insurance is important, covering personal injury and or property caused to others. Even if your car has a low commercial value, the damage it can cause in an accident can be unlimited and making claims and lawsuits can be scarce. It's a risk that drivers or owners of cars and other vehicles run. Therefore need to be rested for the event of an accident causing high costs. In addition, this insurance is compulsory by law.
What is fully justified, because it ensures that all accidents can have recovery and do not have to pay that amount. The lack of insurance can give the right to seize the vehicle, pay a fine and, in case of accident, liability of driver or owner of the vehicle for paying any compensation.
Capital optional
Although the minimum compulsory insurance of 600 thousand euros, the best thing to do is buy an insurance policy that covers more than what you think you may need. Prefer insurance which offers unlimited protection.
Roadside Assistance
Ensures any trailer in an accident on the road, transporting people and goods, and in some cases, a replacement car.
Legal expenses cover
Ensures legal defense in case of accidents, protection that begins to make sense, as the claims are becoming more common. This coverage can be the difference between spending a fortune on lawyers or have ensured that situation.
Coverage of persons carried
Compensation ensures the occupants of the vehicle insurance, liability regardless of the accident.
Coverage of malicious acts
It may be a protection and peace for those who live in areas complicated but much more expensive will the price of insurance.
Coverage of temporary deprivation of use
Unless your life depends on having the car at the door or have no other way to go, maybe it does not make much sense.
Coverage of natural disasters
Usually in these circumstances there more important things to worry about. You may never have to trigger this coverage.
Own damage insurance
Guarantees payment of losses in the insured vehicle, even if your driver has been responsible for the accident. Shock, collision or rollover, as well as fire, lightning or explosion are some of the usual toppings. Think if your car's value justifies the additional amount of premium you have to pay for this insurance, to defend themselves better and prefer to strengthen the liability insurance.
Look out also for Low-cost insurance, they have operating costs much lower values and can therefore cheaper comparing the same coverages.
HOW TO REDUCE COSTS WITH INSURANCE IN PERSONAL FINANCE
Insurance is important to be protected in situations of chance, so it should not eliminate these essential expenses. The misfortunes happen and it is better to be forewarned. However, it is possible to reduce insurance costs. Need to be attentive to the market to get the best deals for you and your family.
You must get all the discounts possible. Negotiate hard with all insurance companies, at all points. You must stay with the best insurance possible to get paid. Clear all the options that make no sense, but make sure the coverages essential.
SAFE HOUSING
Learn what can be done to reduce the insurance costs of housing. The area where you live can influence the price. Learn to buy locks for the doors or smoke detectors shall entitle the price reductions. If you have private security, this should guarantee you a good discount.
CAR INSURANCE
• The motor vehicle insurance are also part of a very competitive market, especially with the emergence of low-cost companies. Here are some ways to save these insurance.
• When the car starts to get old, download the coverages that protect you. If you pay more insurance than the car is worth, is making a bad deal. Another option is to increase the franchise (the amount you have to pay) in case of accident.
• Buy cars with engine capacities lower, more environmentally friendly, with less likelihood of theft. The cars of higher segments attract more costs and benefits are not so much money.
• Insurance companies often have agreements with various organizations and companies. Make sure there are no businesses or organizations to which it belongs, that have some beneficial agreement for you.
HEALTH INSURANCE AND LIFE INSURANCE
They are important in the life of a family, but should also be examined in the search for the best price for your needs. After having reduced its insurance costs, it is time to think about earning money.
You must get all the discounts possible. Negotiate hard with all insurance companies, at all points. You must stay with the best insurance possible to get paid. Clear all the options that make no sense, but make sure the coverages essential.
SAFE HOUSING
Learn what can be done to reduce the insurance costs of housing. The area where you live can influence the price. Learn to buy locks for the doors or smoke detectors shall entitle the price reductions. If you have private security, this should guarantee you a good discount.
CAR INSURANCE
• The motor vehicle insurance are also part of a very competitive market, especially with the emergence of low-cost companies. Here are some ways to save these insurance.
• When the car starts to get old, download the coverages that protect you. If you pay more insurance than the car is worth, is making a bad deal. Another option is to increase the franchise (the amount you have to pay) in case of accident.
• Buy cars with engine capacities lower, more environmentally friendly, with less likelihood of theft. The cars of higher segments attract more costs and benefits are not so much money.
• Insurance companies often have agreements with various organizations and companies. Make sure there are no businesses or organizations to which it belongs, that have some beneficial agreement for you.
HEALTH INSURANCE AND LIFE INSURANCE
They are important in the life of a family, but should also be examined in the search for the best price for your needs. After having reduced its insurance costs, it is time to think about earning money.
CHOOSE AND BUY CAR INSURANCE
Are you looking for car insurance and do not know what to choose or what is best for you and your vehicle?
To help, here is a comprehensive guide to everything you need to know to buy car insurance that protects the most common risks.
MOTOR INSURANCE REQUIRED
Motor insurance is compulsory, so there are few families who do not have to choose an auto insurance for your vehicle, or vehicles. As the supply is increasing and so aggressive with advertising, not easy to choose the best for their situation. One of the mandatory automobile insurance coverage is the liability, which has a policy equal to all insurers, as defined by law. However, all optional coverages now vary and the interest itself is not equal to the interest to your neighbor.
The liability insurance also includes personal injury to passengers of the vehicle.
FACTORS THAT INFLUENCE THE PRICE
Did you pay more for their car insurance if you live in a city at greatest risk, as is the case of large cities? The more you risk the city will have to pay more for their insurance. If you do not know if you live in a city with an aggravated risk, ask the insurer's time to take questions.
The driver of the car also has influence on the premium you pay. The youngest drivers have very high increases, which may be double what they pay the most experienced. Women tend to have cheaper insurance because statistically they cause less damage in accidents involving.
Other important factors for the price of car insurance are:
- Sum insured, which will be updated there as the car ages.
- Vehicle type (light or goods)
- Displacement, the higher the higher the insurance.
COVERS FOR NEW CARS
If your car is new, choose to also purchase a package to own damages, since the commercial value of the car is higher than used cars.
Anything that involves theft or fire must be enabled on your insurance. There are other important policies, such as natural phenomena and vandalism, if your car is not inside a garage at night or if you live in an area problem.
OPTIONAL COVERAGES INTERESTING
As already mentioned, there are many possibilities for the optional coverages and depend only on their need and willingness to buy. There are some that will compensate for you and others who have no interest.
THEFT OR THEFT
All insurance companies have this option, which involves paying the vehicle is stolen or happen sometime. If the car does not appear after some time, will be compensated by the insurer.
ASSISTANCE IN TRAVEL
If you have any problems with the car while traveling, as a simple hole to the theft of vehicle keys, may be assisted by the insurance company. The more comprehensive insurance, the better for you.
FRANCHISES
Beware of the franchises of optional coverages, because you may have to pay more than you wanted in your pocket. The deductible is the amount that the insurer does not pay. That is, the driver took some of the losses, so it is important to know these values for all coverages.
It usually has the option to pay more to download the franchise value of the monthly premium, however you know the risk they run if you have an accident.
REDUCTION OF INSURANCE
Insurance companies benefit their customers who do not have accidents for some time and aggravate those involved in more accidents. They typically have accounts in the last five years as a driver, so make sure you are entitled to a reduction on your auto insurance today.
A car insurance is too important to buy it first appears. Here's some choice and what has the best conditions for their needs. Learn how to buy car insurance.
To help, here is a comprehensive guide to everything you need to know to buy car insurance that protects the most common risks.
MOTOR INSURANCE REQUIRED
Motor insurance is compulsory, so there are few families who do not have to choose an auto insurance for your vehicle, or vehicles. As the supply is increasing and so aggressive with advertising, not easy to choose the best for their situation. One of the mandatory automobile insurance coverage is the liability, which has a policy equal to all insurers, as defined by law. However, all optional coverages now vary and the interest itself is not equal to the interest to your neighbor.
The liability insurance also includes personal injury to passengers of the vehicle.
FACTORS THAT INFLUENCE THE PRICE
Did you pay more for their car insurance if you live in a city at greatest risk, as is the case of large cities? The more you risk the city will have to pay more for their insurance. If you do not know if you live in a city with an aggravated risk, ask the insurer's time to take questions.
The driver of the car also has influence on the premium you pay. The youngest drivers have very high increases, which may be double what they pay the most experienced. Women tend to have cheaper insurance because statistically they cause less damage in accidents involving.
Other important factors for the price of car insurance are:
- Sum insured, which will be updated there as the car ages.
- Vehicle type (light or goods)
- Displacement, the higher the higher the insurance.
COVERS FOR NEW CARS
If your car is new, choose to also purchase a package to own damages, since the commercial value of the car is higher than used cars.
Anything that involves theft or fire must be enabled on your insurance. There are other important policies, such as natural phenomena and vandalism, if your car is not inside a garage at night or if you live in an area problem.
OPTIONAL COVERAGES INTERESTING
As already mentioned, there are many possibilities for the optional coverages and depend only on their need and willingness to buy. There are some that will compensate for you and others who have no interest.
THEFT OR THEFT
All insurance companies have this option, which involves paying the vehicle is stolen or happen sometime. If the car does not appear after some time, will be compensated by the insurer.
ASSISTANCE IN TRAVEL
If you have any problems with the car while traveling, as a simple hole to the theft of vehicle keys, may be assisted by the insurance company. The more comprehensive insurance, the better for you.
FRANCHISES
Beware of the franchises of optional coverages, because you may have to pay more than you wanted in your pocket. The deductible is the amount that the insurer does not pay. That is, the driver took some of the losses, so it is important to know these values for all coverages.
It usually has the option to pay more to download the franchise value of the monthly premium, however you know the risk they run if you have an accident.
REDUCTION OF INSURANCE
Insurance companies benefit their customers who do not have accidents for some time and aggravate those involved in more accidents. They typically have accounts in the last five years as a driver, so make sure you are entitled to a reduction on your auto insurance today.
A car insurance is too important to buy it first appears. Here's some choice and what has the best conditions for their needs. Learn how to buy car insurance.
ONLINE CHEAPEST CAR INSURANCE
The ideal was to know which company sells auto insurance cheaper than the competition. The internet has given a great help to consumers, so you can save time and money without having to leave home. Here are some tips to help you.
CUSTOM CAR INSURANCE
It is not easy to directly compare the car insurance because the cheapest in absolute terms may not be the best insurance for you. When we talk about insurance, whatever the type, the most important is always the level of coverage they give us. A more expensive insurance can be much better than a cheaper insurance, to cover most situations or provide more money in times when you need it.
Car insurance is customized to the driver, vehicles and other situations that influence the final value of the prize. Based on statistical data, insurers or hinder certain behaviors.
Some of the factors they examine include:
• driving history (accidents, fines, etc.).
• Age
• Gender
• Place of residence
• Type of car
SITES IN SEARCH OF INSURANCE
The form that gives more guarantees to be able to find the best insurance is to do simulations within the simulators provided by insurance companies. You can fill various data and to obtain detailed results. Then just compare the conditions between the competitors.
You do not have to spend money to make simulations. At most, they ask her to leave a contact, but most do not ask it. If you want to know some simulators, see how to buy car insurance.
ASK FOR MORE HELP
When you need a completely individualized insurance, choosing the option choice, it is better to use the insurer's contact center or even go to a bar. The Internet enables the comparison and simulation for the most common types of policies, but if you want something unique, you will even lose some of their time.
The internet has come a long way toward choosing the cheapest car insurance. So before leaving home to visit companies, do some research online. Learn how to buy car insurance.
CUSTOM CAR INSURANCE
It is not easy to directly compare the car insurance because the cheapest in absolute terms may not be the best insurance for you. When we talk about insurance, whatever the type, the most important is always the level of coverage they give us. A more expensive insurance can be much better than a cheaper insurance, to cover most situations or provide more money in times when you need it.
Car insurance is customized to the driver, vehicles and other situations that influence the final value of the prize. Based on statistical data, insurers or hinder certain behaviors.
Some of the factors they examine include:
• driving history (accidents, fines, etc.).
• Age
• Gender
• Place of residence
• Type of car
SITES IN SEARCH OF INSURANCE
The form that gives more guarantees to be able to find the best insurance is to do simulations within the simulators provided by insurance companies. You can fill various data and to obtain detailed results. Then just compare the conditions between the competitors.
You do not have to spend money to make simulations. At most, they ask her to leave a contact, but most do not ask it. If you want to know some simulators, see how to buy car insurance.
ASK FOR MORE HELP
When you need a completely individualized insurance, choosing the option choice, it is better to use the insurer's contact center or even go to a bar. The Internet enables the comparison and simulation for the most common types of policies, but if you want something unique, you will even lose some of their time.
The internet has come a long way toward choosing the cheapest car insurance. So before leaving home to visit companies, do some research online. Learn how to buy car insurance.
CHOOSE CAR INSURANCE ON-LINE
People seek insurance cars for so many reasons, the most usual mandatory to have car insurance minimum to protect other drivers. But there are other factors to take into account, see which ones.The compulsory insurance for car is often insufficient for most people, and with a little more money each year, can be protected much more problems.
In car insurance, the important thing is to save money if something happens in the future, instead of saving some money today. Security is one aspect that nobody should try to save some change, sacrificing quality. The higher insurance premiums, more able to protect and look good, especially the Internet, you can pretty interesting prices for most coverages.
CAR INSURANCE ON-LINE CHOOSE
The Internet has completely revolutionized how to sell insurance and insurers appeared to completely virtual, which can reach prices that traditional can not, without sacrificing quality of coverage. Here are some key insurance coverages:
ESSENTIAL INSURANCE COVERS
Insurance on cars may have several options, some fundamental, although not mandatory.
HEALTH INSURANCE
If you have no health insurance alone, know the options that you offer car insurance, because in the event of an accident, it is quite likely to need medical care not covered by your insurance company.
THEFT
If you have a new car, it may be more attractive to thieves, so it is also more interesting to have insurance that covers these problems. As the car is older, the risk of being stolen, are decreasing as well as their commercial value, in case you need help.
In car insurance, the important thing is to save money if something happens in the future, instead of saving some money today. Security is one aspect that nobody should try to save some change, sacrificing quality. The higher insurance premiums, more able to protect and look good, especially the Internet, you can pretty interesting prices for most coverages.
CAR INSURANCE ON-LINE CHOOSE
The Internet has completely revolutionized how to sell insurance and insurers appeared to completely virtual, which can reach prices that traditional can not, without sacrificing quality of coverage. Here are some key insurance coverages:
ESSENTIAL INSURANCE COVERS
Insurance on cars may have several options, some fundamental, although not mandatory.
HEALTH INSURANCE
If you have no health insurance alone, know the options that you offer car insurance, because in the event of an accident, it is quite likely to need medical care not covered by your insurance company.
THEFT
If you have a new car, it may be more attractive to thieves, so it is also more interesting to have insurance that covers these problems. As the car is older, the risk of being stolen, are decreasing as well as their commercial value, in case you need help.
BUY CAR INSURANCE ON INTERNET
Buy insurance on the internet is very simple and much faster than driving to a balcony of an insurance company. It's even simpler than calling a contact center and speak with someone who really knows what to answer him. Must have already tried to call a company more than once to solve a problem, be attended by different people who tell you different things ... The Internet are all the basic information, then you can supplement with a direct contact to the insurer. It will not take more than one or two hours and not spend money on travel.
DOING RESEARCH ON CAR INSURANCE ON INTERNET
The first step is to find out the price of automobile insurance in force at the time of need. You can go to the websites of insurers themselves or seek any site that has comparisons of various insurance companies.
After prices may begin to compare the coverage directly from insurers on the site, because then you know they're really the correct information. If the information is wrong, it is the responsibility of these insurance companies. When examining some coverage, print ever to have evidence that you have read this information on the company website.
SIMULATORS TO USE ON THE INTERNET
Insurers are technologically advanced and used the internet very effectively. Most of them have a simulator free, so anyone can check the prices they offer, depending on the characteristics of the car and the policyholder.
In these simulators do not need to put any personal information, only information concerning the vehicle, the options you want, the data of the driver and other factors. No need to purchase insurance when you are doing the simulation and can repeat as many times as you wish.
The Internet has greatly facilitated the purchase of auto insurance and also lowered prices for consumers, with the emergence of virtual insurers. Learn how to buy car insurance.
DOING RESEARCH ON CAR INSURANCE ON INTERNET
The first step is to find out the price of automobile insurance in force at the time of need. You can go to the websites of insurers themselves or seek any site that has comparisons of various insurance companies.
After prices may begin to compare the coverage directly from insurers on the site, because then you know they're really the correct information. If the information is wrong, it is the responsibility of these insurance companies. When examining some coverage, print ever to have evidence that you have read this information on the company website.
SIMULATORS TO USE ON THE INTERNET
Insurers are technologically advanced and used the internet very effectively. Most of them have a simulator free, so anyone can check the prices they offer, depending on the characteristics of the car and the policyholder.
In these simulators do not need to put any personal information, only information concerning the vehicle, the options you want, the data of the driver and other factors. No need to purchase insurance when you are doing the simulation and can repeat as many times as you wish.
The Internet has greatly facilitated the purchase of auto insurance and also lowered prices for consumers, with the emergence of virtual insurers. Learn how to buy car insurance.
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