How to choose car insurance ?

If you have just purchased a vehicle is likely to require automobile insurance against risks, such as collision, total theft or injury to occupants and damage to others person or their property in case of accident. Motor insurance have become more sophisticated due to growing vehicle fleet and the overwhelming supply on the market.

Finding insurance is not difficult. The difficult thing is to choose the best suited to your needs. Before comparing any insurance, it is better to have a clear idea about what we want for our car.

Coverage:

Damage to third parties: This represent the amount of financial support that you have to pay for the damage to property or someone affected "third parties".

Medical expenses occupants: Is the amount to which the insurer will meet the medical expenses caused by accident, either the driver or his companions.

Legal protection: With this coverage lawyers, you have the support of professionals who will manage your case.

Road Assistance: It is a very useful service, especially for mothers, as they will help you change the tire, current flow, free towing.

Robbery total: This cover you against the seizure of your car against your will as a result of theft or assault or when away from where you left it parked.

Damage: This coverage among other damages suffered by your vehicle as a result of collisions, overturning, fire, cyclone, hail, earthquake, landslide, demonstrators, and damage during transportation.

Help total loss: Is an optional coverage that will deliver aid without verification of expenditure by the amount specified as being declared a total loss or theft of your vehicle.

Adaptations, conversions and special equipment: This protection is optional and protects you against theft or physical damage to the adjustments you made to your vehicle as long as stated in the policy appear to the amount by which to ensure.

Auxiliary Protection: It is also an optional coverage that protects the damage that may occur inside your car such as partial theft or violence of parts, accessories and special equipment. It also protects you in case of assault.

These are some of the most common coverage presenting by auto insurance that currently exist in the market. However, there is another factor to consider when evaluating this recruitment.

After reviewing the coverage, do not lose sight of:

• When looking at the prices set not only on what you will pay the first year. Also, observe for things that to be paid in subsequent years.

• If possible, it is essential to know what or who supports the company with which the insurance contract, to ascertain their creditworthiness.
• Read all contract terms before signing with the insurer.
• Although the rates are set with tables, if it takes more than a year on your insurance and your record is exemplary, do not forget to remind them.
• Learn well the procedure followed by your company to fix the car wrecks.

When buying insurance:

1. Find and compare.
2. Eliminate all risk insurance in the case of old cars or flights.
3. Take advantage of discounts for low driving.
4. Take advantage of discounts on equipment.
5. Ask about other discounts.

Finally it is recommended that to choose the insurance company should consider various aspects, among which:

• Coverage value for money: Under the covers, look at the capital of occupants, additional guarantees (claim for fines, travel assistance, additional guarantees: defective repair claim, defense as a pedestrian / cyclist, etc.).

• If only has offices in capitals or centralized in a few cities, they usually mean more delays and bureaucracy.

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