Car is considered as an asset which is quite valuable. It is reasonable if you may want to take care of and protect it properly. One of them is by buying the car insurance to guarantee it from the risks anytime. In fact, the utilization of car insurance is not something new recently for many advantages given. However, it is also undeniable that you may sometimes feel so confused regarding the budgets to spend monthly. There are complaints from the customers that the services given are not compatible with the cost. Well, so that you will not feel disappointed while being the users of car insurance, it is much better to consider some matters below.
Acknowledge Your Necessities
The first thing to do is learning and acknowledging well the conditions of your car. It can include the engine, body, age, and more. By knowing well all of them, you can just simply choose the type of car insurance better for you. In general, there are two types of car insurance to be considered and chosen. First, it is the All Risk or Comprehensive insurance. This insurance guarantees almost all risks that may be happened whether it is big or small accident. Of course, there must still be some exceptions you must know since the beginning.
The second type is the Total Loss Only (TLO) insurance. This insurance only guarantees the damages above 75%. It means that small accidents and damages like scratches will not be covered by this insurance. Between those two, you must think well which one to be chosen. If your mobility is quite high, it seems that All Risk Insurance seems better. However, if you are okay with small damages, TLO insurance is of course the better choice. Why? It is because the installment tends to be lower as well.
Consider the Company
Here is the ugly truth; not all the insurance companies advertised on TV are good. That’s why, conduct your own survey is really important in this case. Once you decide to have car insurance, make sure to spare your time to gain information as much as possible. It is not bad to visit some insurance offices for comparing the products. you also need to know the details. Basically, the insurance products tend to give different benefits and also lacks. The features offered are also different. Somehow, local insurance offered around your house is even more recommended for its easiness to access. A good example is the cheap car insurance in San Francisco, of course, if you live in San Francisco.
Still about the company, there are some matters to be learnt to know whether it is really trusted or not. the first is about the credibility. Make sure to use insurance service from company with good credibility and reputation. Second, consider the customers’ complaints ratio. The ration can be checked from reviews or testimonials in the official website or discussion forums. The more satisfied customers, the more recommended the company is. Third, the company must have cooperation with some workshops. It is to ease you when something bad happened in the road. Yes, with such a workshop, the trouble can just be overcome immediately.
Fourth, the company should provide some supporting features that help you when in troubles. The features can be in the form of 24-hour call center, tow truck, ambulance, and more. The last and the most important are about the claim procedure. Make sure that the company respond to the claims as soon as possible once you call it.
Estimate Your Budgets
You really don’t need to choose the best package of insurance if your budgets cannot cover it. Remember the main reasons you join the insurance. It is to protect your car not for prestige. It is okay to choose the cheapest insurance package actually. The package commonly has covered the main problems occurred because of the accidents. If someday you have more money and want the better package, the companies may have features of upgrades.
Consider the Recommendations from Dealer
Once you buy the car, the dealer may give you some recommendations of insurance companies. Sure, the companies are worthy to be considered. The insurance companies that have been cooperated with the dealers tend to have good credibility. Besides, they must also be established for years to have connections with other companies. Indeed, the recommendations must not be believed totally. Like the points mentioned above, your own surveys are still important to do. Meanwhile, when the dealer agent is promoting the insurance company, take this chance to make deeper observation.