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HOW TO find out the cheapest car insurance?

HOW TO  find out about the cheapest car insurance?
Have you ever thought what would happen if your favorite vehicle in an accident ?
How to maintain or reduce the risk as well as a result of the accident ?

Car insurance is a special type of insurance for the car , where the risk is likely to occur on vehicles transferred to the insurance company .

In the selection of vehicle insurance , the things to consider is your financial strength , the services rendered by insurers and the costs and burdens that are available in the agreement with the insurance company .

As with other insurance products , auto insurance requires you to pay a premium at any given period of time in exchange for a policy that ensures the protection .

The protection provided by each insurance product will vary , as well as features and amenities . Before you make your application make sure that car insurance is the best option for your situation and in accordance with your wishes .

As in general the many benefits provided by an insurance product , the more noticeable it is the best product . Just as in car insurance , there are a variety of benefits , protection , features and facilities provided by the insurance companies , emergency services , legal liability to third parties , accident , theft , fire , car replacement , riot protection , tow truck , medical expenses , ambulance , accident compensation , and natural disasters .

Each of these features , most can be added if you add the value of the premium you pay , but would it be something you want in your financial elements and advantages as well as other conditions .

To find out about the cheapest car insurance and more reliable insurance you can see a comparison of online and its application in Auto insurance quote online with practical and Free !

Car insurance premiums

You will always wonder how insurance companies calculate the premium amount charged to you each year ?
And of course you also want to know whether the exact value of the premium you pay it is quite equivalent to the protection provided .

 For the calculation of car insurance premiums , provided some of the major factors that affect the amount of premium paid each year .

In addition to the advantage or protection of features or additional extension may be requested in an insurance policy , Cubic Centimetres ( CC ) , the assembly , the type and the type of car that is insured also affect the amount of the premium . Logically insurance companies will raise premium rates if your car is a high CC , because they feel would be prone to accidents in sports cars ; then the older the vehicle the more frequently occurring problem in your vehicle ; kinds and types usually affect the price of the vehicle so that it will affect the price premium as well .

Because indirectly , insurance companies will require compensation high enough to insure a car that has a high risk in terms of filing a claim . The purpose of the use of such individual or a company car , equipment ( accessories ) Additionally, and of course No Claim Bonus and the amount of coverage desired for the car insurance , are the main factors that affect the amount of the premium .


1 . Products auto insurance policy consists of

2 state protection of the motor vehicle as you see fit :

a) Comprehensive ( comprehensive or all- risk) : risk guarantee against loss / damage part (partial Loss ) and overall ( total loss ) , which is caused by all risks to the extent not excluded under the policy
b ).. see the link above
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When You Require Auto Insurance Urgently

When You Require Auto Insurance Urgently Lately, I often get the brochures about the various kinds of insurance with the tantalizing promise any benefit when we follow. Marketing they often call asking me to become members. Because I know to require insurance claim procedure is quite complicated and difficult so I like to reject it. But when my friend offered and explained I got interested. I want to ask how good insurance? For what things are really necessary insured because I was offered a variety of insurance like health insurance, children's education to a motor vehicle? And what procedures should be considered?

Thank you in advance for the answer


Basically, insurance is a financial product that has a function to provide financial protection against the risk / disaster that may occur. There are two things we have to underline here, the Protection of finance and risk. The definition of financial protection that insurance provides compensation or redress if there is a risk. What is meant by risk / accident that is covered by insurance events such as death, accident, disability, fire, etc..

So, to answer whether or not we need insurance and what insurance is needed, should take a look at the risk of what might happen and how large are the financial consequences. For example, you are a family head who support his wife and children. If you die, your wife and kids would lose income. This means you need a life insurance so that in case of disaster, then the insurance will provide compensation to the children and wife to replace the temporary living. But if you're still single and have no dependents or debts, then there is no financial effect is great if you die, this means you do not need life insurance.

Life insurance has many variants to attract customers. Is the simplest type of term life insurance where your funds will be forfeited if not disaster. Actually, such insurance is the most beneficial to customers, because the premiums are cheap and do not have to worry if the insurance company went bankrupt in the future. But unfortunately a lot of customers who are not interested because of the money forfeited if no claim.

There is also a life insurance investment plus a variety of forms as well as education insurance, pension insurance, and so forth. Essentially the same, plus insurance investment. The only difference is the intended use of investment funds, whether the investment is for the cost of children's education or for retirement later.

The same principle with insurance such as home and vehicle insurance. If you have your vehicle was damaged by an accident or stolen, whether it will affect your finances. If yes, then you need car insurance. Vice versa if you feel it is not important or problematic to use private money for the damage to the vehicle, then you do not have vehicle insurance.

Insurance as an umbrella that can protect you in the rain. He only used as a precaution only. If it rains it will be used, if it is not raining it is unused. However, unused or not, you still have to buy the umbrella. So before deciding whether to buy an umbrella or not, consider whether the day will be rainy or sunny-bright it seems. Have a problem if it rained, or it does not matter a bit wet. Same with insurance, first consider how big is the risk occurs. And will it be problematic if there is a risk, meaning that the risk can be borne alone, or be supported by insurance.

What is good insurance? Ie insurance that suits your needs. If you find it difficult to save regularly, select a course of education that could force insurers to set aside funds for future children. But if you already have your own education funding plan, term life insurance will be better for you. For health insurance, try to learn the rules the company where you work, that is sufficient, then the insurance is no longer needed. In addition, as a Muslim, sharia choose. Because of Takaful free from usury and gambling elements are very strong in conventional insurance.

Some things you should pay attention to when buying insurance.

For life insurance, be sure to name your own party is insured as wage earner, not on behalf of his wife. Enter the name of his wife and children as the beneficiaries.
Keep insurance policies in a safe and known also by your heirs. Especially for home insurance policy, do not be kept in the house.
Third, ask the insurance officer to explain to you and your heirs how insurance claims procedure in case of disaster.
Make sure you always pay the premiums on time and save it as proof of payment will be required at the time of claim. Do not depend on the premium collection clerk, if they do not come, paid directly to his office.
NSURANCE is closely related to the protection. As with life insurance that protects a person's soul, the vehicle insurance is also useful to protect the vehicle.

Despite knowing the importance of insurance, not everyone is willing to insure their cars for various reasons.

"If it were not necessary, anyway? The answer is necessary. Insurance that mind set. People know, but do not want to know. Usually the reason is expensive, do not need insurance because the car is not worn away, the money is gone, and all sorts. In fact, the benefits are tremendous, "explains Head of Marketing Communications and PR PT Astra Buana Insurance (Garda Oto) Lawrence Iwan Sutanto Pranoto the Pelita Online in Jakarta, Sunday (31/7).

Vehicle protection is usually provided by general insurance companies (general insurance). Products and types vary. Prospective buyers should be careful and know all the benefits of the product to be purchased to protect their cars.

Types of vehicle insurance coverage, there are three. First, the total loss only (TLO). Here, the insurance company will replace over 75 percent damage or risk losing the vehicle.

The second is a comprehensive (holistic). Here its partial protection or in part. For example, vehicle terserempet other vehicles and causing minor damage, it will be paid by insurance.

Last is the additional protection (rider). Here, the insurance company will provide additional benefits beyond the TLO and comprehensive, such as the risk of terrorism, flood, natural disaster, personal accident, and the Third Party Liability (TJH).

"So, when buying the vehicle asked salesnya. Does the car have directly insured? What kind of protection? It all needs to be asked for in the future if the owner of the car exposed to the risks above, it can be safe and quiet, "continued Iwan.

With insurance, the owner will be quiet if one day the vehicle was destroyed because it was hit or hit another car.

Before choosing the type of protection, vehicle owners must choose a credible insurance company, has a good track record, positive financial reports, and recognized the community.

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Auto insurance Cheat

Auto insurance Cheat The light turns green. You drive forward. Suddenly your world slams sideways, and an airbag punches you in the face.

Someone ran the red light and broadsided you. Now what?

Don't say anything, and, for heaven's sake, don't sign anything.

And if the other guy's insurance company sends over a claims adjuster the next day? Don't talk to him either.

Insurance claims adjusters are trained to sniff out fraud. Some say they're also trained to mess with your head by:

  • Trying to get you to settle immediately (one company sends adjusters to accident scenes to offer checks on the spot).
  • Tricking you into compromising your case.
  • Coercing you to use a "preferred" repair shop.
  • Offering less than fair replacement value if the car is totaled.

"Insurance companies didn't get to be $15 billion and $20 billion (companies) because they give money away," says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.

Let me be clear: This is not a "how to scam the system" column, and I'm not saying that claims adjusters are all a bunch of crooks. But their job is to settle a case as quickly and inexpensively as possible. It's your job to make sure you get a fair shake. Here's how:

Watch your mouth

Smith suggests this tactic, beginning at the scene: "Just shut up."

"People talk too much. Your best advice is to make sure everyone is OK and then say nothing," says Smith, who's been in the insurance industry for 27 years.

You've just been in an accident. You may be dizzy with adrenaline, purple with fury or injured and not aware of it. The first words that come out of your mouth might not be the smartest ones.

Claims adjusters love to hear things like:

  • Apologies. "I'm so sorry" may come out automatically, but it might be construed as admitting fault.
  • Hyperbole. "He was at least a minute late on the red light!" Witnesses or a red-light camera may say otherwise, undermining your credibility.
  • Remarks about whiplash or about your old car being ready for the junk heap anyway. These nervous jokes can be used against you.
  • Too much information. Don't say the accident occurred on the same day you lost your job and broke up with your girlfriend.

Winter Park, Fla., attorney Shane Fischer tells of one young numbskull who hit an elderly woman's car and jumped out to apologize. He shouldn't have smoked pot before driving, and he was soooo sorry that he'd texted his girlfriend while behind the wheel.

Don't offer too much information to paramedics or emergency room personnel either. A New York bicyclist I'll call "Schwinn" was hit by a drunken driver but made the mistake of saying he'd had some beers with friends earlier that evening.

The other guy's insurance adjuster was willing to risk a trial because he knew a jury might be disgusted with both parties. Thus the final settlement was "significantly reduced" due to Schwinn's mention of beer, according to New York City attorney Oscar Michelen.

Michelen's firm regularly represents insurance companies. He often sees cases compromised by people "making statements they did not have to make or making them inappropriately."

You have the right not to incriminate yourself. So clam up. Tell the police and/or medical personnel only the absolute basics, lest a claims adjuster use your words against you later.

Don't be afraid to speak up

In the 1980s, I was driving on a one-way street when a guy suddenly veered across all four lanes. I hit the brakes and flung my right arm across my daughter, who was belted into the passenger seat.

There was no way to avoid hitting the other car. Neither the driver nor his female passenger were injured. My daughter and I were shaken but unharmed. Or so I thought.

The next morning I ached. By lunchtime my shoulder was on fire. At the end of the day, I couldn't raise my right arm. Yet I almost didn't report the injury, fearing that I'd be perceived as a fraud.

"Honest people seem to be the ones who are afraid to speak up," says Penny Gusner, a consumer analyst at

Had an adjuster talked to me a couple of weeks later, I probably would have said, "Oh, it's not too bad," because I was raised not to be a crybaby. But it was bad. I was in pain for months -- and a quarter of a century later, the injured area still gives me trouble.

Gusner suggests keeping a "pain journal." Write down how you feel each day and how specific activities are affected -- for example, "I can't pick up my baby."

Don't be a drama queen. But do spell out the physical costs and the actual ones (missed work, the need to hire a mother's helper).

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How Choosing a car insurance Logically

How Choosing a car insurance is not easy. Especially in the midst of fierce competition today. Almost all insurance companies have vehicle insurance products. Stay prospective customers to choose which one decent take. Therefore below we present some criteria so that no one choose:
Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
See the insurance package offered. For example extensive warranties to how much. Therefore, extensive collateral should be adjusted with the desire and ability to prospective customers.
See also the network of insurance companies concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
Could be asked first ease, facility or what added value can be obtained when purchasing policy in the company. For example, if there is a tow truck, car replacement or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the ease in question.
Consider also the insurance company's bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Whereas financial condition was very severe.

In addition to those mentioned above, there are several factors that should be considered in the process of selecting an insurance company, including in selecting products. The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are the three factors.

First, the financial strength (security). Second, the service (service). And third, the cost or burden. The financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, a vehicle that good directors. But when there claims from customers, the company can not pay.

In assessing the financial strength of these there are several benchmarks that need attention.

Assets and liabilities. This can be seen from the financial balance sheet is published in the newspaper. See also, whether the investment is planted in the current or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts by reinsurers, how he fulfilled his obligation to pay claims, and so forth.

Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `gross` premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile of companies that includes the underwriters him.

Services (service) is the mirror the extent to which human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.

In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.

In this connection should also be questioned, whether this insurance company in reinsurance mereasuransikan class safety. This can be seen from its annual report. It is important to note, because if the company is not backed up by reinsurance, the company is likely to be speculative in receiving the premiums.

The issue is how much the costs incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And, if you continually lose money, certainly not healthy.

In this connection can also see the price premiums. Compare prices of insurance premiums with other insurance. Which is really good quality.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the RBC number was large, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that is doing great expansion like to open many branches, then his RBC numbers would be small.

Conversely, there is a small insurance company but never to expand, the RBC number was probably much greater.

So, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.

In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.

And, last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced management and other defaults.

Prospective customers do not dwell on the cheap premium rates. Because, in today’s competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service
See the insurance package offered. For example extensive warranties to how much. Therefore, extensive collateral should be adjusted with the desire and ability to prospective customers.
See also the network of insurance companies concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
Could be asked first ease, facility or what added value can be obtained when purchasing policy in the company. For example, if there is a tow truck, car replacement or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the ease in question.
Consider also the insurance company’s bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Whereas financial condition was very severe.
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Advantages of one day auto insurance

Advantages of one day auto insurance The British government was illegal to drive on public roads in 1930. Since then, the law has changed in this regard, very little. Auto insurance is still needed, and of course the U.S. is similar to the law. Almost every state in the United States has done the compulsory insurance. In the UK a person has third party insurance against damage or loss, at least. Third party cover if you cause injury. You pay for the damage caused to you and the rest of the vehicle and other persons in an accident.

Although not required to have a third party, fire and theft is a very good idea. This is especially true of a nice car that could be chosen by the thieves. Car models that are the oldest fire hazard may also want to have a blanket over them. With any third party fire and theft protection obtained with the same third party fire and theft protection. You do not have to worry if your vehicle is stolen, your insurance company will pay you replacement value. The same is true if your car catches fire.

The more expensive the insurance is to make complete. Almost all of this is covered by insurance. The damage is still involved. You can cause an accident and the insurance company pays to repair the car. Although it is the third most expensive is usually necessary to increase the price if you can afford it. Most of the time, if you pay the installments, the bank requires you to make insurance coverage. Another thing that is generally used in short-term car insurance. This declaration must be done to bring short period of time insurance. You can get the most out of a single insurance policy of 28 days.

It 'the perfect disc just bought the car, or when you lend your car to a friend. Maybe you need to use the van for a few days to move the house. When you buy a short term car insurance will protect you from an accident without having to spend a lot of money. Even if the coverage is usually extended, it is cheaper than replacing the annual policy, borrowed a car.

Another good thing about auto insurance in the short term is that it can prevent any claim of annual passes and the political ruin of the money you save with a discount of any claims. This discount can add hundreds of pounds. If you have had your no claims rule in place for five years or more can save 65% of your bill. Why ruin the chances of the savings by taking unnecessary risks.

When someone wants to borrow the car make sure to buy short-term car insurance, and do not take claims discount intact. Perhaps the family is coming to town to visit, and they need to use the vehicle, while I'm here. Use one day and the insurance covers the car. You could add up to big savings when it comes to compensation claims can not reduce
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