Five Tips for Choosing Your Car Insurance
Most people have questions about how to correctly choose car insurance. In this article, you check tips containing the most important points to be evaluated by you who want to take out insurance for your car.
Evaluate the insurer
Nowadays many insurers are providing this service in the country, so it is necessary to observe the alternatives well before signing with any company. Research, evaluate the opinions and testimonials of clients who already use or have used the services of the insurer to be chosen.
It is also worth checking if there are complaints from Procon to know which are the main allegations of the insured. You can contact the companies by phone, email or the company’s own website.
Compare services from multiple insurers
The most important tip of this article is do not sign with the first insurance proposal you receive, regardless of whether it is very advantageous. Make several quotes with insurers and compare services and values. It is possible to do this on various websites on the internet. You should only opt for the insurer that best meets your expectations, after a good search and quote.
Choose a good insurance broker
It is essential to know who is the intermediary between the negotiation between you as insured and the insurer so finds a broker who is duly qualified by SUSEP (National Superintendence of Insurance).
Find out how much the most frequent repairs cost
When setting the value of your insurance franchise, be aware of the costs that can occur with your vehicle in the most common ways. A very high deductible leaves you exposed to high repair prices in case of accidents. Already a franchise too low raises the price of contracting the insurance.
If you have not bought your car yet, make an insurance quote
One of the great tips is that even before you buy a new car or change your vehicle, make an insurance quote. Some models have the value of insurance very high, for being highly targeted by crime. Search for prices and only then decide for the new car.
There are insurance for all types of customer profiles and, therefore, the interested party may encounter some difficulty when choosing. Experts recommend: whatever it is, make the hiring before you even leave the new car from the store.
These needs are defined through a questionnaire applied by the broker. An average of 25 questions are asked ranging from personal data to the daily use of the vehicle.
Another important point for the definition of the price of the policy is where the person lives, works and studies.
These values are directed to a specific profile that will depend on factors such as gender, age and marital status, which obviously results are obtained through statistical studies done by companies. All insurers make a set of claims information for their portfolios and are also based on everyday events. By means of these data it is possible to know that a married woman, over 30 years old, engages less in accidents than a single male of 18, for example.
Nowadays, insureds obviously do not refuse certain amenities such as unlimited mileage, reserve car and residential maintenance services and consequently these facilities increase the value of the premium. However, they are often crucial facilities for the insured.