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.
CAR INSURANCE : LOWERING THE COSTS
The auto insurance is mandatory for all drivers as a form of protection in cases of accidents. As in all aspects of personal finances, you can succeed in reducing the long-term insurance, with some changes in behavior.
BUY A CAR INSURANCE
There are brands and models with more security options and higher marks in safe tests.To save money on car insurance, choose to buy a car with these features, because it will have a premium reduction for insurers.There are brands and models with more security options and higher marks in safe tests.If you drive an old car and more insecure, it is more complicated to have good contracts. Insurance companies reward drivers who make an effort to buy a vehicle more safely.
DRIVE LESS TIMES
The cars have more miles are more likely to be involved in accidents, it seems obvious, but is also a simple way to avoid accidents and to maintain a period of years without be involved in an accident. After a few years, has an interesting bonus on their car insurance premium. If you make frequent short trips and where you can catch public transport is an issue to be reviewed. If the cost of tickets is not too expensive, or if you have a pass, can make the car stop more often at home. The more miles a car has, the more expensive the insurance.
LEAVE THE CAR IN THE GARAGE
If you demonstrate that your car is in the garage most of the day, get a good reduction in annual premium of your car insurance.Cars that are stored in closed garages are less likely to be assaulted, suffered acts of vandalism or being damaged, than the cars that spend most of the time parked outdoors. Insurance companies also reward the owners who make an effort to protect their vehicles.
Car insurance is essential for the safety of all the people walking on the road, but always save some money as you can, you should seize. Learn how to buy car insurance.
BUY A CAR INSURANCE
There are brands and models with more security options and higher marks in safe tests.To save money on car insurance, choose to buy a car with these features, because it will have a premium reduction for insurers.There are brands and models with more security options and higher marks in safe tests.If you drive an old car and more insecure, it is more complicated to have good contracts. Insurance companies reward drivers who make an effort to buy a vehicle more safely.
DRIVE LESS TIMES
The cars have more miles are more likely to be involved in accidents, it seems obvious, but is also a simple way to avoid accidents and to maintain a period of years without be involved in an accident. After a few years, has an interesting bonus on their car insurance premium. If you make frequent short trips and where you can catch public transport is an issue to be reviewed. If the cost of tickets is not too expensive, or if you have a pass, can make the car stop more often at home. The more miles a car has, the more expensive the insurance.
LEAVE THE CAR IN THE GARAGE
If you demonstrate that your car is in the garage most of the day, get a good reduction in annual premium of your car insurance.Cars that are stored in closed garages are less likely to be assaulted, suffered acts of vandalism or being damaged, than the cars that spend most of the time parked outdoors. Insurance companies also reward the owners who make an effort to protect their vehicles.
Car insurance is essential for the safety of all the people walking on the road, but always save some money as you can, you should seize. Learn how to buy car insurance.
OPEN HAND TO PAY LESS - LEARN WHAT YOU CAN DO TO LOWER THE PRICE OF INSURANCE
Find the best deal and ask if you can pay less. The price of insurance, called premium is calculated by the probability of an accident, technically called a loss. Data such as profile of the insured, location and vehicle use are crucial in defining the price of insurance. Some details can not be changed. Age, for example.
The insurance will always be more salty for drivers ages 18 to 25 years. Besides being young and statistically more likely to drive dangerously, these drivers in general study and to make matters worse, the neighborhood in universities are considered critical by the insurers, because they are areas of high incidence of vehicle thefts.
However, the insured need not conform with what the companies offer, and can get to pay less if you know how to negotiate before signing the contract. Some companies offer good discounts to those who install equipment to protect the car thefts, such as scanners and devices that prevent the car is turned on.
Another resource is to ask the insurer to raise the value of the franchise, which is paid by the insured only in case of accident. She works as a guarantee that the insured will not send the car for bodywork at the expense of the insurer every time someone touches the bumper for parking in the supermarket. By increasing the value of the franchise, the insured is obligated to repair virtually on their own accidents that cause damage to light or medium. When it is worth asking to increase the franchise?
The recommendation of experts to analyze their own risk profile. The most quoted are those in which the likelihood of accidents is lower. Who uses the little car, drive carefully and always park in closed garages can run a little more risk and save time for insurance.
Already motorists who use the car for longer, are always on the road, traveling to regions where the probability of an accident is higher, should you choose to pay more and have more protection.
"Price is important but should not be the only deciding factor,"
"The insured may insure no need to use it but have to think of problems that will occur if the accident and whether the coverage is insufficient."
The insurance will always be more salty for drivers ages 18 to 25 years. Besides being young and statistically more likely to drive dangerously, these drivers in general study and to make matters worse, the neighborhood in universities are considered critical by the insurers, because they are areas of high incidence of vehicle thefts.
However, the insured need not conform with what the companies offer, and can get to pay less if you know how to negotiate before signing the contract. Some companies offer good discounts to those who install equipment to protect the car thefts, such as scanners and devices that prevent the car is turned on.
Another resource is to ask the insurer to raise the value of the franchise, which is paid by the insured only in case of accident. She works as a guarantee that the insured will not send the car for bodywork at the expense of the insurer every time someone touches the bumper for parking in the supermarket. By increasing the value of the franchise, the insured is obligated to repair virtually on their own accidents that cause damage to light or medium. When it is worth asking to increase the franchise?
The recommendation of experts to analyze their own risk profile. The most quoted are those in which the likelihood of accidents is lower. Who uses the little car, drive carefully and always park in closed garages can run a little more risk and save time for insurance.
Already motorists who use the car for longer, are always on the road, traveling to regions where the probability of an accident is higher, should you choose to pay more and have more protection.
"Price is important but should not be the only deciding factor,"
"The insured may insure no need to use it but have to think of problems that will occur if the accident and whether the coverage is insufficient."
COMPARE CAR INSURANCE: WHAT TO CHECK
Before you choose a auto insurance is good to see what is the policy that best fits in your pocket, carefully evaluating the costs and benefits of each of the proposed insurance. not always cheaper insurance proposal is the most convenient: sometimes a lower premium accounts for a relief in case of major incidents and minors coberduras.
HIre a safe car still can be tricky to most people, we give advice and tips algums here on the essential features that you have to check before you sign and testing a motor insurance.
We provide here only the main features common to all insurance companies to facilitate comparison of auto insurance, sen go into detail and more specific technical terms, which would yield more difficult to compare the car insurance:
• The price of the coverage of compulsory and optional coverages. Many insurers, especially quella selling insurance on the internet, let you make a quote online auto insurance. If you can not, can request a quote to the insurer or broker. The main data that we need to ask to make a better decision is to increase the award due to the increase of the insured capital.
• What are the risks covered and excluded risks;
• What are the options regarding the franchise and the corresponding insurance prices;
• What is the system's operating table, the premium rebate and penalty (in case of an auto insurance bonus-malus);
• What is the territorial extent of the various toppings;
• What criteria are used by the insured to determine and update the vehicle's value for purposes of "own damage", as well as its table of devaluation.
HIre a safe car still can be tricky to most people, we give advice and tips algums here on the essential features that you have to check before you sign and testing a motor insurance.
We provide here only the main features common to all insurance companies to facilitate comparison of auto insurance, sen go into detail and more specific technical terms, which would yield more difficult to compare the car insurance:
• The price of the coverage of compulsory and optional coverages. Many insurers, especially quella selling insurance on the internet, let you make a quote online auto insurance. If you can not, can request a quote to the insurer or broker. The main data that we need to ask to make a better decision is to increase the award due to the increase of the insured capital.
• What are the risks covered and excluded risks;
• What are the options regarding the franchise and the corresponding insurance prices;
• What is the system's operating table, the premium rebate and penalty (in case of an auto insurance bonus-malus);
• What is the territorial extent of the various toppings;
• What criteria are used by the insured to determine and update the vehicle's value for purposes of "own damage", as well as its table of devaluation.
HOW TO COMPARE CAR INSURANCE
Purchasing insurance can be daunting and laborious and often very expensive, but it is not necessary as long as you follow these four easy steps:
1-Choose your level of coverage;
2-The value of insurance you need may vary depending on many factors. For example, it might be better to insure an old vehicle with a third party in the global insurance premiums for automobile insurance may outweigh the benefits of full coverage. The amount of insurance you may require also depend on things like the amount of money they owe and own their property and how much out of pocket cost you could pay;
3-Also can be useful to look at combined into a house and car insurance policy as several lower premiums for companies providing these policies. Some insurers offer discounts on multi-vehicle policies as well;
4th-If you are unsure about what level of coverage you want, it may be best to contact an insurance broker for assistance;
COMPARISON SHOP
Shopping around for car insurance for the best deal you could save hundreds of dollars. Numerous sites in the U.S., UK, Canada, Australia and South Africa provide online insurance quotes and comparison shopping services. If you have a couple of insurance companies in mind, to call them directly for a quote or contact with a broker to do it for you. The important thing is to get several quotes from different insurance companies.
Once you compare quotes their premiums, but not only make your decision on this matter. A car insurance policy can cost less, since it offers less coverage or have more restrictions. It is also advisable to go with an insurance company that has a good record for paying claims.
If you are considering buying a new car or motorcycle, it may be wise to shop around for insurance quotes before you make your purchase. Premiums vary substantially depending on the brand and model of vehicle. For example, some car models are most popular with thieves making them a greater risk to insurance companies. Some cars are more expensive to repair some damage and more easily. The amount you have to pay for insurance you swing in May to buy a smaller vehicle risk. Even though the price to insure your new car is not very important for you to get back quotes after buying your car will help you obtain an object much faster.
Understand the fine print of your policy can save you both money and suffering if you should need for credit. Be sure you understand the terms and coverage of the insurance policy you decide to purchase, especially: Who and what is insuredWhat exclusions and limitations applyWhen the lid and begins endsWhat level of coverage is very providedHow your premium will beWhen and how you are claimIf unsure about all the details of an insurance policy, it is best to ask an insurance broker or agent to explain.
Periodically review your policy is a good idea to shop around insurance quotes, on an annual basis, but some important events in his life could justify another look at your insurance needs. This could include: Getting married or divorcedStarting a familyRenting apartmentBuying a house or a new home or changes to your carSignificant incomeRetiringFollowing these simple but extremely important steps can help you save money and hopefully change your perception of motor insurance as a " grudge purchase. ".
1-Choose your level of coverage;
2-The value of insurance you need may vary depending on many factors. For example, it might be better to insure an old vehicle with a third party in the global insurance premiums for automobile insurance may outweigh the benefits of full coverage. The amount of insurance you may require also depend on things like the amount of money they owe and own their property and how much out of pocket cost you could pay;
3-Also can be useful to look at combined into a house and car insurance policy as several lower premiums for companies providing these policies. Some insurers offer discounts on multi-vehicle policies as well;
4th-If you are unsure about what level of coverage you want, it may be best to contact an insurance broker for assistance;
COMPARISON SHOP
Shopping around for car insurance for the best deal you could save hundreds of dollars. Numerous sites in the U.S., UK, Canada, Australia and South Africa provide online insurance quotes and comparison shopping services. If you have a couple of insurance companies in mind, to call them directly for a quote or contact with a broker to do it for you. The important thing is to get several quotes from different insurance companies.
Once you compare quotes their premiums, but not only make your decision on this matter. A car insurance policy can cost less, since it offers less coverage or have more restrictions. It is also advisable to go with an insurance company that has a good record for paying claims.
If you are considering buying a new car or motorcycle, it may be wise to shop around for insurance quotes before you make your purchase. Premiums vary substantially depending on the brand and model of vehicle. For example, some car models are most popular with thieves making them a greater risk to insurance companies. Some cars are more expensive to repair some damage and more easily. The amount you have to pay for insurance you swing in May to buy a smaller vehicle risk. Even though the price to insure your new car is not very important for you to get back quotes after buying your car will help you obtain an object much faster.
Understand the fine print of your policy can save you both money and suffering if you should need for credit. Be sure you understand the terms and coverage of the insurance policy you decide to purchase, especially: Who and what is insuredWhat exclusions and limitations applyWhen the lid and begins endsWhat level of coverage is very providedHow your premium will beWhen and how you are claimIf unsure about all the details of an insurance policy, it is best to ask an insurance broker or agent to explain.
Periodically review your policy is a good idea to shop around insurance quotes, on an annual basis, but some important events in his life could justify another look at your insurance needs. This could include: Getting married or divorcedStarting a familyRenting apartmentBuying a house or a new home or changes to your carSignificant incomeRetiringFollowing these simple but extremely important steps can help you save money and hopefully change your perception of motor insurance as a " grudge purchase. ".
THE CONTRACT OF INSURANCE
The contract, also called a policy, is to transfer risk from one subject to another. The person who transfers the risk and the insured, the person or company that is taking over the insurer. The insurance policy is a contract under which a person is a guarantee against the possibility of an uncertain future event that will bring damage to your property, goods or their health. The existence of an insurance contract is bound to non-controllability of the event, nor by the insurer or insured. This controllability is not called alley of risk.
Are elements of insurance contracts, among others:
• The proposal
• The policy
• The stipulation
• The beneficiary
• The insurer
• Risk
• the sinister
• The prize
• Coverage
• The lack
• Relief
• The apportionment
• The duration
PROPOSAL FOR INSURANCE
The proposed insurance contract is a document issued by the Insurance Company that specifies the range of interests in insurance contracts, the characteristics of the policy and the initial conditions of the contract. In the proposed contract also must be specified the prize that the insured must pay and the amount of compensation that the beneficiary will receive if the event happens in the proposal for insurance contract.
INSURANCE POLICY
The insurance policy is the main document that regulates the responsibilities and obligations of the parties signing the contract and consists of a document, contract, proposed by the insurance company and signed by the insured.
The insurance policy must respect the rules imposed by law and by the body responsible for control and supervision of insurance markets, private pensions opened, capitalization and insurance.
In some situations, especially in terms of insurance parameterized by the regulations of public agencies or by law, the insurance policy can be superseded by a valid insurance, which also dispenses the requirement of the proposed contract.
The stipulation in an insurance contract.The stipulation of the insurance contract is the person or entity that hires the policy on your own or third parties and assumed the obligation to pay the premium. The stipulation may be in the condition of the beneficiary or to indicate a third person as a beneficiary of the insurance.
In the collective insurance contracts, the stipulation is the legal entity that hires and policy conference which is vested the power of representation of the insured before the insurance company.
The beneficiary of insurance
The beneficiary of the insurance policy is the person or entity to which it is intended the amount of compensation if the accident happens in the contract of insurance. Many veces the beneficiary is also the stipulator and insured, but there are situations where the contract is indicated a third person as beneficiary.
INSURANCE COVERAGE
Coverage is the amount of money the insurer guarantees to pay to the beneficiary in the event of the occurrence. That is, with the insurance contract the insurance company undertakes to ensure coverage of an event harmful to person or property of the insured.
The insurance excess
The franchise is a value basis, the insurer shall not indemnify the case of the occurrence. It is meant relief then this value is to be borne by the insured from which goes to blame the insurance company, as stipulated in the contract.
The deductible must be specified in the contract: it can be higher, lower or absent. Well advised to assess the value of the franchise at the time of signing the insurance contract: a contract proposal may appear very convenient and at the same time can provide a higher franchise value in the occurrence of the accident.
THE DEADLINE FOR TERM INSURANCE
This period is the period of validity of hedging guaranteed by the insurance contract, time period in which the policyholder has full validity and should be considered as a formative element of the prize value. Typically insurance contracts have a term of one year, but there are insurance companies also offer policies with a term of months, weeks and even days.
Unless contracts with cláusola explicit in this sense, the renewal of insurance contracts is not automatic, especially in insurance policies online. Therefore, to avoid the risk of spending some time without insurance coverage, we advise you to write down and remember the day that ends cobetura the policy and if it is their intention to extend the contract, contact the insurer before the expiration of duration of insurance or request a quote to another insurance company, not to spend time discovered.
THE RISK IN INSURANCE POLICY
The risk to the insurance contract is "in the future and uncertain event in the contract, likely to cause damage. When this event occurs, the technique is called the security criticality accident. " The warranty obligations contained in the insurance, only requires the insurer to pay compensation when the risk materializes, so that this event is essential. Thus, if the contract holds certain interests against certain risks, it is necessary that they are expressly stated in the policy and indicated that the initial and final terms of duration, which occur in the event he will be compensated.
The INSURER
The insurer is the company that receives the award for insurance and that assumes the risk, or has an obligation to pay the beneficiary the compensation provided in case of accident.
The LOSS IN INSURANCE POLICY: ASSESSMENT, verification, ADJUSTMENT, SETTLEMENT
The Sinister represents the materialization of the risk, the accident is the occurrence of the event took place under the insurance contract which requires the insurance company to pay compensation to the beneficiary.
The assessment of the loss is divided into three phases:
1. First, count the damage claim, or seek the cause, nature and extent of the damage. This is done by the visitor, to consult police records or other documents and any other action that the insurer finds useful.
2. The regulation of the accident, which is to analyze whether the event is covered by the insurance policy and determine who will be the beneficiary and what value of compensation.
3. The settlement of the claim, ie the indemnity payment to the beneficiary
TERMS AND CONDITIONS
Before signing a policy, it is good to watch and read these data:
Type of insurance: this is the insurance contracted (specify the type of insurance provided by contract)
Deadline of application: you must specify the start date and end of service. In all insurance contracts should always be specified dates of the term, the beginning and end of the coverage of the policy.
Social capital and patrimony: No influence policy, and its publication is linked to legal requirements by providing information on the insurer, updated every swing.
Details of the item insured, in the case of automobile insurance, for example, be possible bonuses and related information on surveys, characteristics such as brand, year, model, board, fuel type, purpose and possible safety devices.
Insurance data: you must specify the type of coverage contracted franchise and values of each award (including optional when hired). Not to take fright when necessary, should pay careful attention to the risks excluded.
Payment methods: should be clear, with interest, the total value and number of plots.
Bold letters: to observe relevant information such as fines, penalties or obligations to the insured.
Data Broker: indispensable in case of problems or subsequent contacts.
Are elements of insurance contracts, among others:
• The proposal
• The policy
• The stipulation
• The beneficiary
• The insurer
• Risk
• the sinister
• The prize
• Coverage
• The lack
• Relief
• The apportionment
• The duration
PROPOSAL FOR INSURANCE
The proposed insurance contract is a document issued by the Insurance Company that specifies the range of interests in insurance contracts, the characteristics of the policy and the initial conditions of the contract. In the proposed contract also must be specified the prize that the insured must pay and the amount of compensation that the beneficiary will receive if the event happens in the proposal for insurance contract.
INSURANCE POLICY
The insurance policy is the main document that regulates the responsibilities and obligations of the parties signing the contract and consists of a document, contract, proposed by the insurance company and signed by the insured.
The insurance policy must respect the rules imposed by law and by the body responsible for control and supervision of insurance markets, private pensions opened, capitalization and insurance.
In some situations, especially in terms of insurance parameterized by the regulations of public agencies or by law, the insurance policy can be superseded by a valid insurance, which also dispenses the requirement of the proposed contract.
The stipulation in an insurance contract.The stipulation of the insurance contract is the person or entity that hires the policy on your own or third parties and assumed the obligation to pay the premium. The stipulation may be in the condition of the beneficiary or to indicate a third person as a beneficiary of the insurance.
In the collective insurance contracts, the stipulation is the legal entity that hires and policy conference which is vested the power of representation of the insured before the insurance company.
The beneficiary of insurance
The beneficiary of the insurance policy is the person or entity to which it is intended the amount of compensation if the accident happens in the contract of insurance. Many veces the beneficiary is also the stipulator and insured, but there are situations where the contract is indicated a third person as beneficiary.
INSURANCE COVERAGE
Coverage is the amount of money the insurer guarantees to pay to the beneficiary in the event of the occurrence. That is, with the insurance contract the insurance company undertakes to ensure coverage of an event harmful to person or property of the insured.
The insurance excess
The franchise is a value basis, the insurer shall not indemnify the case of the occurrence. It is meant relief then this value is to be borne by the insured from which goes to blame the insurance company, as stipulated in the contract.
The deductible must be specified in the contract: it can be higher, lower or absent. Well advised to assess the value of the franchise at the time of signing the insurance contract: a contract proposal may appear very convenient and at the same time can provide a higher franchise value in the occurrence of the accident.
THE DEADLINE FOR TERM INSURANCE
This period is the period of validity of hedging guaranteed by the insurance contract, time period in which the policyholder has full validity and should be considered as a formative element of the prize value. Typically insurance contracts have a term of one year, but there are insurance companies also offer policies with a term of months, weeks and even days.
Unless contracts with cláusola explicit in this sense, the renewal of insurance contracts is not automatic, especially in insurance policies online. Therefore, to avoid the risk of spending some time without insurance coverage, we advise you to write down and remember the day that ends cobetura the policy and if it is their intention to extend the contract, contact the insurer before the expiration of duration of insurance or request a quote to another insurance company, not to spend time discovered.
THE RISK IN INSURANCE POLICY
The risk to the insurance contract is "in the future and uncertain event in the contract, likely to cause damage. When this event occurs, the technique is called the security criticality accident. " The warranty obligations contained in the insurance, only requires the insurer to pay compensation when the risk materializes, so that this event is essential. Thus, if the contract holds certain interests against certain risks, it is necessary that they are expressly stated in the policy and indicated that the initial and final terms of duration, which occur in the event he will be compensated.
The INSURER
The insurer is the company that receives the award for insurance and that assumes the risk, or has an obligation to pay the beneficiary the compensation provided in case of accident.
The LOSS IN INSURANCE POLICY: ASSESSMENT, verification, ADJUSTMENT, SETTLEMENT
The Sinister represents the materialization of the risk, the accident is the occurrence of the event took place under the insurance contract which requires the insurance company to pay compensation to the beneficiary.
The assessment of the loss is divided into three phases:
1. First, count the damage claim, or seek the cause, nature and extent of the damage. This is done by the visitor, to consult police records or other documents and any other action that the insurer finds useful.
2. The regulation of the accident, which is to analyze whether the event is covered by the insurance policy and determine who will be the beneficiary and what value of compensation.
3. The settlement of the claim, ie the indemnity payment to the beneficiary
TERMS AND CONDITIONS
Before signing a policy, it is good to watch and read these data:
Type of insurance: this is the insurance contracted (specify the type of insurance provided by contract)
Deadline of application: you must specify the start date and end of service. In all insurance contracts should always be specified dates of the term, the beginning and end of the coverage of the policy.
Social capital and patrimony: No influence policy, and its publication is linked to legal requirements by providing information on the insurer, updated every swing.
Details of the item insured, in the case of automobile insurance, for example, be possible bonuses and related information on surveys, characteristics such as brand, year, model, board, fuel type, purpose and possible safety devices.
Insurance data: you must specify the type of coverage contracted franchise and values of each award (including optional when hired). Not to take fright when necessary, should pay careful attention to the risks excluded.
Payment methods: should be clear, with interest, the total value and number of plots.
Bold letters: to observe relevant information such as fines, penalties or obligations to the insured.
Data Broker: indispensable in case of problems or subsequent contacts.
WHAT TO DO IN ORDER TO RENEW CAR INSURANCE
Time to renew the policy the most important thing is to check the the maturity of the insurance contract. Before the renewal date the insured has an obligation to report any changes to your profile directly to the broker or the insurer if the insurance online.
Within the information that is important to communicate to the broker or insurer scents are any changes in risk, ie pox example in the case of auto insurance, a new driver at home - a son who just turned 18 years - change of address the behavior: a new job that requires a different use of car / bike, the availability pair with a garage to keep the car / bike night, which previously stood on the street or vice versa.
Send this information to renew the insurance is important to not have problems with the compensation in case of accident.
The profile of the insured and the habits of use of the vehicle or property insured are important factors to set the premium of the policy: All changes require a recalculation of the cost of insurance.
In case of auto insurance or motorcycle insurance, if the maturity of the policy is near, and not leaving for good last minute to renew the insurance.
If you fail to win the auto insurance or motorcycle, may run the risk of having to make a new survey and go without coverage for your vehicle between the date of expiration of the former insurance and the start date of the new policy.
Renew the policy without losing the advantages gained another important aspect is that the consumer should evaluate with your broker: at the time of renewal of your insurance, check that the proposed new insurance are included all the bonuses and benefits acquired over time and that were included the old policy.
Within the information that is important to communicate to the broker or insurer scents are any changes in risk, ie pox example in the case of auto insurance, a new driver at home - a son who just turned 18 years - change of address the behavior: a new job that requires a different use of car / bike, the availability pair with a garage to keep the car / bike night, which previously stood on the street or vice versa.
Send this information to renew the insurance is important to not have problems with the compensation in case of accident.
The profile of the insured and the habits of use of the vehicle or property insured are important factors to set the premium of the policy: All changes require a recalculation of the cost of insurance.
In case of auto insurance or motorcycle insurance, if the maturity of the policy is near, and not leaving for good last minute to renew the insurance.
If you fail to win the auto insurance or motorcycle, may run the risk of having to make a new survey and go without coverage for your vehicle between the date of expiration of the former insurance and the start date of the new policy.
Renew the policy without losing the advantages gained another important aspect is that the consumer should evaluate with your broker: at the time of renewal of your insurance, check that the proposed new insurance are included all the bonuses and benefits acquired over time and that were included the old policy.
Simulation of car insurance
As you are aware, no car can move without insurance, in defiance of national legislation in force today.
This requirement of the Portuguese legislation not only seeks to ensure that no citizen is injured in an accident (because they have no insurance at least liability coverage) as well, and therefore, has created a new area of economic exploitation, timely utilized by entities that have sought to reap the dividends relating to this requirement.
The character must be auto insurance meant that many companies emerge that have invaded the Portuguese market, the demand for flood their customer base. However, the requirement of the law is not only beneficial because it provides new business opportunities, as propitious also a big plus for car owners, because they have a choice in a wider area. The presence of numerous insurance companies also contribute to the presentation better services at more competitive prices and advantageous to customers because, otherwise, the uptake would be much less assured, given the amount of alternatives.
More companies, best chance for a good deal. This is the maximum that comes from a wide range of insurers. However, this opportunity must be seized by those who need these services, ie, it must make a good market research, exploring these market assumptions to arrive at the best and most profitable option. To accomplish this task, nothing better than to use a relatively new tool for pre-assessment, simulators auto insurance. A great tool for consumer services, such is the vision that provides this.
Make the most of the simulation of auto insurance
Getting the best service is dependent on the advantage that it can withdraw from the study of alternatives in the market. In this sense, the best option to carry out this task is to solicit proposals to the various entities that provide these loans and make as many simulations as possible. But before that, we must take into account some details that may vary much the insurance premium. For this reason, here are some tips to help you correctly make a quote for car insurance, taking full advantage of this action.
- Read all the covers and remove all those that are useless. There are many extras that are completely unnecessary and absurd, so it's not worth it to pay for them, for they will cost very little;
- Consider the coverage of travel assistance and continued support, since it could be very useful in a future event;
- Attention to the brand, model and vehicle category. Enter these data correctly because the value of the insurance varies these characteristics;
- Please note that the fact that the car weighs enough to be used in the cost of the annual premium. Look for companies that already have insurance for this type of specialized vehicles and examine their capital gains;
- If you already have insurance from other vehicles, or any other type of service in one entity that has auto insurance, do a simulation taking into account the completion of the point where we ask for information if you are already a member. In case of consolidation loans is always a discount to pay.
This requirement of the Portuguese legislation not only seeks to ensure that no citizen is injured in an accident (because they have no insurance at least liability coverage) as well, and therefore, has created a new area of economic exploitation, timely utilized by entities that have sought to reap the dividends relating to this requirement.
The character must be auto insurance meant that many companies emerge that have invaded the Portuguese market, the demand for flood their customer base. However, the requirement of the law is not only beneficial because it provides new business opportunities, as propitious also a big plus for car owners, because they have a choice in a wider area. The presence of numerous insurance companies also contribute to the presentation better services at more competitive prices and advantageous to customers because, otherwise, the uptake would be much less assured, given the amount of alternatives.
More companies, best chance for a good deal. This is the maximum that comes from a wide range of insurers. However, this opportunity must be seized by those who need these services, ie, it must make a good market research, exploring these market assumptions to arrive at the best and most profitable option. To accomplish this task, nothing better than to use a relatively new tool for pre-assessment, simulators auto insurance. A great tool for consumer services, such is the vision that provides this.
Make the most of the simulation of auto insurance
Getting the best service is dependent on the advantage that it can withdraw from the study of alternatives in the market. In this sense, the best option to carry out this task is to solicit proposals to the various entities that provide these loans and make as many simulations as possible. But before that, we must take into account some details that may vary much the insurance premium. For this reason, here are some tips to help you correctly make a quote for car insurance, taking full advantage of this action.
- Read all the covers and remove all those that are useless. There are many extras that are completely unnecessary and absurd, so it's not worth it to pay for them, for they will cost very little;
- Consider the coverage of travel assistance and continued support, since it could be very useful in a future event;
- Attention to the brand, model and vehicle category. Enter these data correctly because the value of the insurance varies these characteristics;
- Please note that the fact that the car weighs enough to be used in the cost of the annual premium. Look for companies that already have insurance for this type of specialized vehicles and examine their capital gains;
- If you already have insurance from other vehicles, or any other type of service in one entity that has auto insurance, do a simulation taking into account the completion of the point where we ask for information if you are already a member. In case of consolidation loans is always a discount to pay.
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