What to pay attention when you get car insurance?

There was a set of methods and programs of car insurance. As compulsory insurance (CTP), and a lot of volunteer programs. Since both mandatory and voluntary insurance thing is not free, is to talk about how to do so, that would put up money to work one hundred percent.

The easiest way to reduce the cost of insurance is to pay attention to such clauses as:

1. Traffic accident.

2. Carjacking.

3. The fire, vehicle fire.

4. Natural disaster.

5. The influence of foreign bodies in the car.

6. Illegal actions of individuals against the car.

Some companies have a practice of risk selection from this list, that is, Sami skombiniruete you the necessary items. Due to this, the amount of the insurance premium will decrease its price. Although none of the cases of accident or theft should not give up - the most common insurance claims.

Your main focus should be on the terms of the insurance contract such as:

Amount of the premium - the maximum amount of money that the insurer agrees to pay in case of contact with the vehicle in an accident. The amount should be equivalent to the initial cost of the car. At this point, the contract is necessary to pay attention to the fact that the sum was indeed equivalent to the cost of a car, otherwise you will have to pay extra in case of an accident your money in addition to the insurance for the repairs. If an accident occurs more than once during the duration of the insurance contract it is important to see whether there is a limit in the contract payments. That is, in the event of an accident you will pay a fraction of the total insurance fund, which can exhaust themselves. Perhaps the conclusion of the contract with the fund without the Limit, you must correctly calculate the forces and to determine what contract you need.

Franchise - the minimum payments. That is, with minor injuries (the size specified in the contract) the amount is not paid. Be sure to pay attention to the size of the franchise for all its insurance claims. The higher the deductible, the lower the cost of insurance contract. There is no point in setting a franchise 1 - 5% since the contract is not much cheaper, for making the franchise to 0, you can all of its costs to the car to shift to the insurance company.

Depreciation cars - reducing the cost of the car due to aging and wear. The Company may pay interest or the real value of the car or on a reduced depreciation expense. It is natural that the beneficial owner of the car would be considered a new car, just you do not have to delve into the system by which the insurance company charges for amortization. In some companies car price falls in one year by 20%, which of course is not true, if you have driving experience.

And most importantly do not hesitate to find out the insurance company, how the price is formed on the insurance contract - this information is open. The more questions you ask the insurance contract, the less you ask them in the event of damage to the car.