Mes: noviembre 2016

Tips of car insurance


Tips of car insurance

Whether you are a new driver or a veteran experienced, you will be difficult to find cheap cars, it can be difficult. In recent times, the auto insurance premiums have skyrocketed and it is possible that will surprise you quite when it comes to the renewal of car insurance that you have to do. Then how can I get a cheap car insurance?

Car Insurance Group

If you are a rookie driver, forget the two-seater sports car. Have a safe cars of low cost will reduce your insurance premiums for cars. It is a good idea to avoid leakages double, tinted windows and optional alloy rims, since all these “extras” raise your car insurance.

Get an insurance of specialist

If you already have a car, your next plan should be the most appropriate. A good tip is to look for companies of car insurance to suit your personal circumstances. Did you know that drivers women can get a car insurance cheaper? If you are a young driver or new and desperately looking for a car insurance affordable you have to get quotes that serve the market specialized younger. They have experience ensuring drivers with little experience and often offer competitive quotations.

Penalty points

What happens if I penalty point or crimes of traffic? No issues. Despite what you may have heard, you can still find cheap car insurance, even if you have licenses with points. There is a large number of insurers of cars that cater to drivers who have been disqualified or have points.

Regardless of whether you are a man or a woman, your situation or your age, is an excellent idea to give you a return before starting with your hard-earned money. Do not accept the quote of car insurance given.


Steps to submit a claim of car insurance


How to file a auto insurance claim

Please note that the car accidents can occur at any time, so you do not feel reluctant to report them to your insurer of cars. Some people may hesitate about to tell the company of car insurance for damages to your car because they are afraid that the rate of insurance companies were increased.

The insurance provides protection and that is why it is good if you want to file a claim for insurance for damage suffered.

Here are some steps to fill the claim request:

The first thing you need to do is to find out if you need or not to submit a claim. Call your insurance company and asked about the possibility of filing a claim, often you will find yourself with a tape recorder to your registration of insurance. It is better to keep your record of insurance clean. If you can pay for it without financial problems, it is best not to submit a claim.

Find out what you should do after receiving a sheet of car accidents. The sheet is used to help keep a record of the information you will need for the submission of a claim for insurance. Trying to find all the details of the information of the accident. Looking for someone who is an eye witness of the accident.

Presents the claim immediately. If reclamas, as soon as possible with your insurance company, the insurer of cars quickly will initiate the process as a defender.

Get ready in the event that you receive a call from another insurance company. A dispute without a doubt will cause the other party call your health insurer. Get ready with the necessary documents. It is important to bear in mind the name the person you ask in the insurance agency.


Get a car insurance as cheap as possible


Get a car insurance as cheap as possible

In case you are a new driver or have years of experience, these tips will help you to reduce premiums with your insurer of cars.

Levels of risk with your insurer

Car insurance companies base their prices on the level of risk they pose to them. In order to reduce the premiums, you need to reduce your risk. A quick and easy way to do this is to modify the description of your employment in the application form. For example, change the title of “marketing assistant” by “marketing executives”, this could save you up to 10%.

Adds a driver

Another tip is to add someone with experience of driving as a driver whose name appears in the policy of your health insurer. This should reduce the fees with your insurer, always and when you have a clean record.

This is due to the fact that the insurer assumes that you are going to share the car and as such will not be on the road so frequently.

Do Without parking?

If you are planning to opt for a third party insurance, then always checks the cost of any risk, since in some cases this can be cheaper. If you can park your car in a unit or in a garage then make sure to declare it in the application form, this will dramatically reduce the premiums of your insurer, since it reduces the risk of theft and damage.

Compare car insurance online

The next step to get a cheap car insurance is to compare prices. As the price of insurance vary dramatically is a good idea to explore. It is recommended that you go to the Internet so you can compare, as you can see the prices with different insurers.

Increase your deductible

Other ways to get a car insurance cheaper is to increase your deductible. This is the amount you will have to pay if you had a claim. Can you afford to pay if you were to end up in an accident?

Located less

You can also reduce the premiums of your insurer when driving less. All insurance companies will ask for the number of kilometers that you expect to drive a year. If you drive a lot you will have to pay more. It should be noted that if you say that you drive a thousand kilometers, but in reality there are five thousand, this could void your insurance and the insurer may not pay.

Remember that each company has their own algorithms to determine the amount of the insurance premiums. Adjusts the application forms until you find a price that is right for you.



Ensures your first car Tips


Ensures your first car Tips

Those who have little experience on the road pose the greatest risk to an insurance company. The statistics show that the new drivers are three times more likely to suffer a traffic accident that those who have experience. Because of this, the insurance companies raise their prices for the people without experience behind the wheel. And what is worse, if you are under the age of 21, you would have to wait even more.

Get a car that is cheap to ensure

So how do you ensure your first car? The first step, if you have not yet purchased your car looking for something in an insurance group under. To each model of cars on the market is assigned a group of insurance, this can vary from 1 to 50, the higher the number, the more costly it will be to ensure. A car with a small engine will be in an insurance group under, which means that they will pay less for your car insurance.

Are you sure of damage to third parties or comprehensive insurance?

If you already have a car and then consider what type of insurance you want. If you have a small budget, then searches for an insurance for third parties. This is a cheap alternative, but means that if causaras an accident, not you would be covered by the damage to your own car.

Adds a driver

Another way to reduce your insurance premium is to ensure a driver added to your policy. Added to someone with a history of clean driving to the policy and insurance costs will fall dramatically.

Go to the local shops, compare online

Finally, date a turn. There are a number of specialized companies that cater exclusively to people looking to ensure their first car. They have experience in the assurance to drivers for the first time and can offer advice and competitive rates in comparison with some largest insurers.

Also worth visiting the price comparison sites from one company to another.

Do the things within your car are insured?

This will depend entirely on the policy that serves, some insurance companies of cars can offer a coverage for theft or auto while others do not offer any protection. If you have a policy that has elements of coverage, your claim, usually, it shall only be valid if your car was stolen at the time and the keys were in your possession.

The additional coverage is often needed

Most of the auto insurance policies will allow you to make a claim against any thing originally installed by the manufacturer such as audio equipment. If you have installed the equipment of additional audio, then may well be covered but only up to a certain point. In the same way, if you stopped items such as a purse or wallet in the car, this usually is not covered by your insurance cars standard. You would have to hire an additional coverage for this type of articles.

Do additional coverage for free?

That said, some insurers added extras in their policies to attract new customers, for example the home insurance. In the same way, if you have a home insurance, reads the policy, some will cover the elements that brought out of the house which would mean that there would be no need for an additional coverage for goods deposited in your car.

During the search of car insurance not only look for the price outside, are looking for what you need. You think you have found a bargain until you realize that there is no coverage for articles left in the car, if they are stolen or damaged due to an accident.

If you have any doubt about whether you are covered, call your insurance company and asked how much you will pay exactly if your car is stolen.