6 Essential Tips to Keep in Mind When Choosing Car Insurance
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| 6 Essential Tips to Keep in Mind When Choosing Car Insurance |
Choosing the right car insurance is important for every vehicle owner. Car insurance will protect you from financial loss in the event of an accident or car damage. However, choosing the right insurance is not easy. Here are 6 tips that you should do when choosing car insurance so that you get the best protection for your vehicle.
A car is one of the most valuable relics. Therefore, the protection provided must be as good as possible. Choosing a car protection guarantee should not be arbitrary. However, unfortunately there are still many who do not know how to choose car insurance, moreover some still underestimate it. So, to help you find the best insurance for your car, let's follow these tips!
Guide to Sorting Car Insurance
In a way, sorting out car insurance is tricky. It's easy because now there are many options. It's difficult because there are so many different options that it would be confusing. No need to worry, you can follow the guide below to get the best car insurance!
1. Determine the need
The first step is to determine the need. Make sure what kind of protection you need.. You can think of the car's consumption age to the state of the engine. Usually, the provider will offer 2 types of insurance, namely:
- Comprehensive or All Risk
- Total Loss Only
This insurance will only provide replacement payments if the car damage reaches 75%, otherwise minor damage is not guaranteed.
2. Observe a budget
After that, don't forget to weigh the budget. Some insurance products may provide equal protection, but the premiums will certainly be large. For that, you should determine your budget first before deciding to take out insurance. Selection of insurance with a premium that does not exceed the budget so as not to disturb cash flow.
3. Read the insurance product details carefully to compare
As mentioned, currently there are many car insurance products. You won't know which one is good and which one doesn't provide enough protection if you don't check them one by one. As much as possible, dig up data on insurance products, existing insurance claim methods.
Honestly ask friends or relatives who use insurance for cars. Request the benefits and detriments from the items they use. You can also search for data from the internet or study reviews from insurance participants.
4. Ask the insurance agent so they can master the things in insurance
Some terms in car insurance may sound foreign, especially if you have never had anything to do with the world of insurance.
Rather than dissolve in indecision, ask the insurance agent. Ask them terms that they don't hear often. You can also ask for a simulation of premium payments and insurance claim procedures to get a clearer picture.
5. Carry out the dealer's advice
There are times when dealers who sell cars work with certain car insurance. They generally will recommend customers to use these insurance products. There are also those who do not work with the insurance industry, but they already understand the insurance options from the customer first.
There is absolutely nothing wrong with thinking about these suggestions, after all, the salesperson certainly has good knowledge about the specifications of the vehicle. Even so, you also have to remember that this advice does not have to be followed. You can still find out about other insurance products out there. Who knows, you can create a product that fits your needs and of course your budget.
6. Selection of the best insurance industry, Tugu Insurance
You can also look at the companies that offer car insurance. Industry with a good track record of course the service can also be guaranteed. Also make sure that the industry has a formal operational license that is recognized by the state.
One of them is Tugu Insurance. This insurance provider industry has been registered and supervised by the Indonesian Financial Services Authority (OJK). Well, one of the insurance products offered by Tugu Insurance is t-drive which is Motor Vehicle Insurance which provides car protection with an even guarantee as well as the Total Loss mentioned above.Not only that, this insurance is also added with expansions or other interesting features.. Oh yes, this car insurance can not only be used for individual vehicles, but official vehicles and trucks too, you know!