How to determine car insurance
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Don't let confusion hang in your mind when you want to determine which car insurance is right. Well, for that I will provide several ways that you can use namely:
Determine the type of protection that is suitable for your car
To get the right car insurance, of course you must first determine the right type of protection for your car. Is Comprehensive (All Risk) or Total Lost Only (TLO)? Where Comprehensive (All Risk) will guarantee the cost of partial or total damage that occurs in your car and Total Lost Only (TLO) replaces damage above 75% of the sum insured (this is suitable for older vehicles).
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Make sure not to be tempted by cheap premiums
One thing you need to remember, never be tempted by cheap (below average) premiums offered by insurance companies. It could be that the company is in the wrong, only looking for profit. It is better to assume cheap premiums as premiums that are in accordance with your budget.
Be sure to know about the workshops of insurance company partners
You also need to know about company partner bengels such as workshop locations. That way you will easily contact and head to the workshop if your car is damaged.
Pay attention to the insurance packages offered
Look carefully at the insurance package offered by the insurance company. Each package certainly has a difference, for example regarding the type of protection, expansion of guarantees and premiums. The more protection offered the greater the premium you will pay. So, the choice falls in your hands.
Make sure you know your rights and obligations as policy holders
Your rights in car insurance mean protection (compensation) provided by an insurance company or any additional services that you will get. Whereas the obligation is to pay premiums every year and you are also obliged to comply with the rules set by the company (rules for premium payments or time periods for claims).
