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.