How to reduce the cost of hull insurance without sacrificing coverage?

Most of the car owners are interested in the hull for your car. As they say, more peace of mind. I will say briefly that ensures hull damages (repair), and the payment of the sum insured in case of theft of the vehicle.

Offers various companies differ greatly in value. The cost of insurance for a specific vehicle with a specific driver depends on several parameters: 1) an insurance policy against the insurance company of the car (risk factors), 2) pricing policy (in turn depends on many factors and market strategy), and 3) the age and driving experience, and 4) the history of the automobile owner insurance, 5) the sum insured, and 6) and service program content insurance.

If you are only going to buy a car, you can choose from the least risky cars. These include all the French cars, Volvo, Saab, Infiniti, Nissan. French cars have the lowest risk weights.

If you have the previous policy CASCO no insurance cases, the savings you can make an insurance claim with the maximum discounts for loss-free transition (eg, Concord, Moscow insurance company).

If the losses were nevertheless, here it is necessary to consider all the companies and choose the best possible offer. As a rule, all companies can calculate insurance brokers. Here it is desirable to write proposals, comparing the cost and content insurance. There will also be appropriate to ask the broker about the reliability of a company. The fact that there is a little-known companies in the insurance market, but that does not stop them from being reliable.

Above we have, figuratively speaking "truths" of insurance. Then you can see the following: many insurers associated with the reliability of fame and popularity of the insurance company (brand), choosing the most well-known companies whose advertising has been on the media. Well, as the client does not lose. As for the cost ... To achieve this notorious fame, the insurance company invests heavily in promoting its name, creating from it a powerful brand. This is a business expense and laid in the cost under Articles costing, in other words, falls squarely on the shoulders (or more precisely, to the purse) clients. Would you like to significantly overpay for a big name, and done through advertising in the media reputation, you decide, but the savings here we are not seeing. As you lose.

You can save these intelligent ways: 1) choose a reliable insurance company does not promote itself through the vast amount of advertising with aggressive slogans. Each slogan created by a team of highly paid marketers and ultimately paid by the customer. In addition, the high costs are made for profits, which, again, lies in the cost of insurance. 2) select a company, take into account the transition from break-even to another company if you uneventful fare year. 3) Choose a company that offers the most optimum rate it on your car, combined with the age and experience of the persons admitted to management. This is achieved by having counted the cost of insurance in all reliable companies.

In addition to the above methods you can determine for itself the content of insurance: whether you need an emergency commissioner, collecting certificates from the competent authorities, and so on. Next, choose the best option for you, which you can find an insurance agent / broker.

All the above methods are reasonable ways to save on the hull for the car.

What are my non-optimal economies of Hull?

The most common - is to record the lowest cost of insurance and taking advantage of high competition in the insurance market, to put forward the demand for insurance, severely limiting the price: "I want to meet the specific amount!". Typically, in order to please the customer, the agent should have options of insurance designed to offer only those that match the specified amount. On the reliability and reputation of the insurance company it does not go here. Avoid this temptation can only experienced a decent agent.

Second-degree distribution - is the acquisition of a specific policy of the insurance company at a low price: it threatens or minimum content coverage at best, or simply the policy will not be handed over to the insurance company with the money, and your copy will be just a meaningless piece of paper with the logo the insurance company.

The third way - lower sum insured. For damages in an accident you will get insurance money, but in the case of theft of the vehicle you will receive only the amount that is spelled out in the policy. Rather, in this case, you will not be able to buy her a new car.

Basically, it's all the typical mistakes, except for the acquisition of the policy from dubious individuals without inspection of the car, without documents, with very low cost, etc.