How do I choose the right car insurance company as well as a product that is really useful and as needed to protect our vehicles?
For big city dwellers familiar with congestion, cars are loyal friends where we spend most of the time with them. Cars are also a symbol of prestige for some people. No wonder, if many people are very attentive to the maintenance of the car to always be clean, smooth and the engine smooth. Most people are even willing to spend a lot of money for body and engine modifications. If it is really a pity, then the vehicle should also be covered by insurance. Confused how to choose the right insurance company and a truly useful product?
To avoid choosing the wrong one, here are five quick ways to choose vehicle insurance that you can apply.
1. Get to know the company’s reputation
Make sure that the insurance company to be selected has a good reputation. This assessment of reputation can be seen from various aspects such as for example: is the company widely recommended by those closest to us? Then, does the company have a good track record? Does the company receive many complaints from its customers in newspapers?
Things like this a little bit can help those of us who are layman against insurance. Only then for those of us who understand the financial aspects, can check the company’s financial statements to see the strength of capital and its ability to pay claims.
Finally, we then review the products and services offered. Is it in accordance with our needs and abilities? If we are confident in these things then buying vehicle insurance will feel more comfortable.
2. Do not put on premium prices
We certainly know the term “there’s money, there’s stuff”. It is undeniable, to get good quality we often have to spend more money. But we are also often tempted by insurance offers that mention that with low premiums, but the benefits remain a lot. Who’s not tempted? It is a good idea to carefully examine all the provisions given in the policy. Usually from there it will be seen that in fact many risks are excluded, and if we want an expansion of benefits then additional costs are required. In the end, the money we spend will still be expensive too.
3. Offers expanded protection (with additional premiums)
As mentioned above, it is worth choosing an insurance product that provides many options for expanding benefits, so that the protection we get is really optimal. The expansion of protection offered in general is protection against flooding, medical care, theft, riots, even third party liability. There’s no harm in paying a little more to get maximum benefits. However, be sure to read the terms of each benefit, so that we know the limits of compensation to be obtained.
4. Has an extensive network of partner workshops
Also make sure the insurance company to be selected has a wide network of partner workshops and has good quality and license. By having a wide network of workshops, we have more options to determine the workshop where the car is repaired. For example, the location is easy to reach, the workshop is licensed and has high standards of care and parts and corresponds to the type of vehicle we are.
5. Provide complete service access
Access to services is one of the important factors that should be our consideration. For example, does the insurance company have easy access to be contacted especially during emergencies. So when we need information we can easily contact the insurance company. Choose an insurance company that has a 24-hour call center.
In addition, many insurance companies now provide emergency safety services on the highway, free crane services, and so on. But the most important thing is to choose an insurance company that provides ease of service when we are going to make a claim. Many insurance companies can now process claims within one day before our vehicles are referred to our selected partner workshops.