2 things to avoid when purchasing car insurance

ok this from someone the agent, let us take anything useful from him about two things to avoid when purchasing car insurance

1) Buying insurance without knowing illustrations (benefit / benefits) insurance.

"I had one this month to take out of education for my children but do not know I'm the father of the illustrations submitted ilutrasinya, my data is tagal I was born Sept 14, 1975 my son date of birth 12 agust 2003 premium I Rp 500 rb / month".

Do not let incidents like the above happen to you. For example get a good agent who does not matter. But if agents who are not liable to nuisance. So should you need to know the illustrations and learn in advance the contents of the illustrations. Because in the illustration contains what benefits will you receive and what obligations you have to exert.

Make the time well to study the contents of the illustrations, just ask what you do not understand. Since you are entitled to know the details. Well after you know everything, and what you need is in conformity with the insurance that you would buy then it's time to buy such insurance.

So, my advice carefully and understand them first before buying insurance, ask the uninitiated. So you know when buying insurance benefits, obligations and rights of reply you'll get.

2) Buying as a sell (Agent) is a relative, friend or neighbor you

Most I meet with prospective clients to buy insurance because of it, because temanlah, relatives or neighbors. And only out of this, many insurance customers who eventually Shining.

Insurance is a long-term contract. Therefore, getting an agent who has the competency to sell or a professional, rather than buying because the agent is a relative, friend or neighbor. One characteristic of a professional agent who is able to provide answers to your questions, able to provide solutions for problems of your (financial), and provide a transparent explanation of insurance that you want to buy.i think thats all.. thanks.

the meaning and benefits of car insurance

well all this time we discussed the meaning and benefits of car insurance .. 

Is it insurance? 

When we think about insurance, the first thought is free from financial losses due to unexpected accidents came from. Since the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events. 

What insurance benefits? 

Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others. 

Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere. 

Types of Car Insurance protection consists of: 

Combined Insurance (Comprehensive) or All Risk 

Guarantee losses resulting from large and small accidents or lost with the imposition of additional equipment / vehicle damage or loss. 

Insurance Losses Total (Total Loss Only / TLO) 

Guarantee losses resulting from an accident with damage to a minimum 75% of the price of the insured or the vehicle is lost. 

Besides the basic protections such as the above, Car Insurance also provides such insurance expansion law liability to third parties and passengers, melee (Strike, Riot and Civil Commotion), Natural Disaster (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Term Insurance. 

Currently, it is very easy for you to get car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. The more people who showed that awareness to protect the price of their items from the possibility of danger is getting better. 

Insurance companies in the country now compete to serve the best for the community, both in terms of the program until the problem claim.i think that's all,:)

tips for Guidelines German Car Insurance

Let blogger friend all this time we discuss tips for Guidelines German Car Insurance,

Updating your details! It is always wise to ensure that the insurance provider notified of any changes in circumstances may impact on the policy. This may be related to changes in the schedule of regular drivers who saw him put fewer miles on the clock compared to the time in the covers were taken out. On the other side of the driver's risk of being penalized if he did not notify the insurance company when he began to push for more. They are very particular about this in Germany. Examples of other changes in circumstances that must be brought to the attention Kfz-Versicherung provider of: home purchases, births of children, purchasing season tickets for public transport, new jobs and other drivers stopped to move the vehicle as a matter of routine.

Check the markets. The best thing is it's checking the market every year to ensure that the cover is still competitive. Car insurance market is very stable and new providers are always moving to the scene and the existing insurance is always looking to expand their market share.

Use online comparison sites. The best of these allow consumers to easily obtain a picture of all the service providers and all the variables should only be entered in once into the online Preisvergleich. In addition, online providers Autoversicherung not be burdened with heavy overhead costs associated with high street banks. Therefore, the gateway to the internet certainly the best deals around.

Do not be late! In Germany today Kfz Versicherung providers must be notified no later than the end of November if there should be changes to others. If a new policy to include something more than third-party payers cover the existing operators emphasis on their bid a copy of the letter. Notice to quit the existing providers are strictly conventional formula and should be followed to the letter: Hiermit kndige-Haftpflicht ich den Kfz-und / oder Kasko-Versicherungsvertrag.i think that's all, i hope useful ..

different types of car insurance with motor insurance

Let this time we will discuss the different types of car insurance with motor insurance ..

Broadly speaking, insurance consists of three categories, namely:

Insurance

Consisting of insurance for the property (property, vehicles), financial interest (pecuniary), legal responsibility (liability) and self-insurance (accident or health).

Life insurance

Essentially a form of cooperation among people who avoid or at least reduce the risks posed by the risk of death (which would happen but not sure when it happened), the risk of old age (which is inevitable and predictable when it happens, but it is uncertain how old) and the risk of accidents (which are not inevitable, but not impossible). Where cooperation is coordinated by the insurance company, which works on the basis of law of large numbers (the law of large numbers), which spread the risk to people who want to cooperate. Included in programs such as life insurance: insurance for education, retirement, investment, stages, health.

Social Insurance

Social insurance is compulsory insurance program organized by the government under the Act. The aims and objectives of social insurance is to provide a basic guarantee for the public and are not intended for commercial gain.

At this time has developed various types of insurance in society, in risk management, insurance allows the sharing and transfer risk, this is the best way to compensate. Most people do not understand the fundamental differences in the types of insurance, but to determine the insurance program that best matches your needs, we must recognize the types of insurance.

Insurance is divided into two main types

1. Traditional Insurance

2. Non-Traditional Insurance (modern)

In the Traditional insurance, divided several types of insurance, this insurance typically has long been used by many consumers.

Traditional insurance consists of:

1. TERM

2. Wholelife

3. Endowment

Explanation TERM

- You never know about or Motor Car Insurance? Or maybe health insurance? Well kind of term insurance is usually purchased by many people, because the premium payment is cheap and getting great benefits. In other words, pay less, failure by many, but if it is not used in insurance claims and does not occur, then the money we deposited will be forfeited. From that fact, we can see, there is no savings element in this type of insurance, so call us to buy our security guarantee within a year or a certain period. We pay the same as travel insurance, the time will be billed an amount of money on a plane, after getting off the plane safely, the contract is completed. Due to the premium payment period is not specified, then every year, premiums will increase with increasing age the insured.

Explanation Wholelife

- Wholelife, meaning a lifetime. This type of insurance protects the insured until the end of the age, is usually covered up to age 99 years. And incredibly! premium payment period is determined from the beginning, there can be no extension of the premium payment period. If elected for a 5 year, yes five years of pay, then a lifetime will not be billed again, whenever we die, we can still claim the sum assured that we have planned. Because the system is saved, then started the second year of the policy cash value that is formed, in a certain year the savings can be captured at up to 80%. Keren ga? Besides the permanent protection of the road continues, there are also savings, cash value but not much compared to the value PROTECTION.

Explanation Endowment

- Endowment, this is life insurance with a value greater savings. In certain years the savings could be withdrawn in accordance with the program. Usually this type of insurance known for its insurance education insurance or pension funds. Insurance education is determined when the money could be taken for school fees dear. Endowment system, the savings are a bonus life insurance, if something happens during saving, then we get the sum assured as death benefit, but in the event the obligation to pay claims, insurance companies still pay the claim until the completion of his contract. Usually the premium being offered is much larger than the type and Wholelife TERM.

Example: Budi took 32 years for child education insurance Desi, 2 years. At the time of paying the premiums, at the age of 36 years Budi Dead. At that time the wife of Mr. Budi get the death benefit specified amount UP, free and pay the premiums. At the age of 7 years Desi, Desi still get a scheduled educational claims, and at age 13, age 16, age 19 years, and so on.

Okay, we'll talk a little about Non-Traditional Insurance

Non-Traditional Insurance or so-called modern insurance, is insurance to the type of UNIT-LINK. Where the Unit Link Insurance is very popular at the moment, why? because Unit-Link is a type of insurance that combines the Life Insurance and Investments. Life insurance is mated with the investment, is the type TERM. Remember! TERM if it is a short-term insurance, and insurance costs could rise with age.

UNIT LINK = TERM + Investment

Most people take the Unit Link because he wanted to save the results are many orders of magnitude, than have to save money in the bank, with interest does not amount to much. By investing or mutual fund, the money we invest will grow prolifically. But the thing to remember, the bigger the profit, the greater the risk.

Investment may increase and may decline, according to the economic development of the nation at that time. In times of crisis, then certainly the value of investments that we have fallen dramatically, and consequently the value of our savings will be depleted. If so, do not protest dong .. did not gain much pingin, means it must bear the loss as well .. :)

Certainly, in the type of unit-linked insurance, have no cash value is guaranteed, even the company that issued the insurance policy, can not promise the cash value earned in the year X. Another case of traditional insurance, in her policy is clearly set forth the guaranteed cash value and is obtained in X.

As there is no guaranteed cash value, probably in the year to 11 or more, the insured must pay the premiums back, though promised to pay only 10 years, in fact not listed in the policy premium payment period, so the premiums can be charged back at any time.

Unit Link, bear the cost of insurance is the type TERM, then the annual cost will rise with age, and the cash value that is formed will cut insurance costs and other administrative costs.

How is an explanation of Insurance

any questions?

Before you choose the right insurance for you, you should consult truly understand the concept of insurance. Since everyone has different characteristics in managing finances.

baiklan this time we will discuss the differences between auto insurance with motor insurance.

What Kind of Car Insurance What do you have?

Better to keep than to cure, the phrase is indeed appropriate to entrust their car insurance to keep their cars. Driving by car to be safe, if things happen that are not in want of existing insurers that will cover everything.

Then how do I choose a good vehicle insurance and be responsible? There are several considerations that we must do to determine the proper insurance to choose.

Make sure in advance who will be selected auto insurance including insurance categories that have got a good predicate. Because with this certification are clearly indicates that the insurance is a reliable, trusted, and proven to be responsible in serving its customers claim.

When the insurance claims process should be examined first, there are some cars when insurance claims process customer receives a convoluted one. We are sometimes asked to complete the things that are unnecessary, or may have to argue back when surveyed.

Spare parts are an important part in your car, make sure the car insurance that is used to ensure genuine spare parts and warranty. Be careful with this insurance does not guarantee that prove fatal. For that, before we should really check out how his ministry against the damage caused by car accidents.

Many car insurers that rely on and provide cheap rates alone but its protection is not very satisfactory service, the service is not 24 hours. Choose insurance with 24-hour alertness and extensive protection areas throughout Indonesia. So when you go out of town do not worry if there are problems with your car.

Wherever possible select Allrisk insurance that can guarantee all the risks due to a disturbance of public order committed by a group of people, also ensures the losses caused by flood waters.

Lastly select the car insurance that has a lot of options in terms of premium payment. Can be done with cash, wire transfer, or credit card.

Type or Type Motorcycle Insurance (Motor Vehicle)

August 13th, 2010cossierandiLeave a commentGo to comments

Maybe this article is slightly distorted with the actual theme. but the article about the types of insurance (insurance) is very useful vehicle for users of motor vehicles or motorcycles. Especially for those who buy on credit. Due to the existence of insurance (insurances) motorcycle that you have is guaranteed not to be hurt.

There is a story about my friend who never lost his bike in front of a cafe where she often hung there. Online hangout hangout in a sense. Because my friend did this one seems to have a high level Maya virus infestation. Online he was so much fun (whether it's just facebukan or open-open the site about Ariel Luna case that still has not finished) unwittingly bought a motorcycle on credit disappeared without a trace. Thank God for insurance (insurances) motorcycles in the marriage contract agreement with the purchase of the bike.

Understanding Insurance (insurances) is a system for financial loss by channeling lower risk of loss and damages from any person or entity to another.

Insurance (insurances) ensure the security of your motorcycle from all aspects whether it be theft kejahatah, burned, kicked the same person or the owner himself (while he was angry sometimes extreme acts were carried out). Hehehe ... kidding ..

As is well known, that with your bike on diasuransikannya insurance agency ((insurances) motor vehicle that is in some ways the security of your bike has been covered by insurance (insurances) motor. Liability insurance (insurances) motor vehicles including motor physical damage either major or minor to the overall motor losses.

Kinds and types of insurance (insurances) vehicles:

Basically for motor vehicles there are two types of motor vehicle insurance is generally used on two-wheeled motor vehicles of Total Lost and All Risk. But it's best to choose which type of insurance (insurances) motor vehicles suitable for your bike then you should understand what kind of motor vehicle insurance that best suits both economically and functionally.

* Total Lost: Insurance (insurances) total lost is an insurance claim (insurances) will be granted when there has been damage to motor vehicles in total can not exceed 70% diricovery or - in this case as if you were lost in the stolen vehicle malin, burning or can not be destroyed until repaired as a result of an accident. Usually when you buy a new motor is then automatically credit you've got a guaranteed motor insurance (insurances) Total Lost motor vehicle from the leasing agency you use.

* All Risk Insurance (insurances) are all risk insurance (insurances) motor vehicles that will cover all sorts of damage to both major motor vehicle until the damage minor. Users insurance (insurances) only pay the cost of claims to get a replacement even though the damage on the bike only minor damage. But to get a warranty insurance policy (insurances) motor vehicles with All types of insurance risk will usually be charged higher than the total lost insurance - usually worn 3 or 4 permil.

Above is the type or types of insurance (insurances) motorcycles or motor vehicles that may be important also known to ensure the safety of motorcycles or motor vehicles your pet.i think that's all..
thanks,

Choosing a car insurance company that Gives Safety

Choosing a car insurance company that Gives Safety

This is where lessons kta get from natural disasters or events that befall us. We then looked at the insurance company for safety and comfort of all possessions and even our souls as well. Along with the trend of increasing density of traffic on highways and crime, it also increases the likelihood of catastrophe involving our cars, from relatively mild such as hit, scratched, theft rearview mirror, until the weight of such collisions, motor vehicle theft and even robbery .

To meet the needs of security, you can choose the auto insurance product that can provide protection against risks that may happen to your car. Many insurance companies claim they are the best. It can be seen that there is an insurance product offered to the public through advertisements, almost none the less. Similarly, the promotion of performance they are doing, always accentuate the fine. Therefore, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.

Things to remember in choosing an insurance company in general there are three factors. First, the financial strength (security). Second, the service (service). And third, the cost. The issue of financial strength of insurance related to the company's financial ability to fulfill its promise as consumers membutuhkann. 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.

Services (service) is the extent to which mirror human resources at the company's qualified or not. Moreover, insurance companies sell services, 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.

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

In addition, the need to consider when choosing a car insurance are:

* Determine the type of insurance coverage desired. Protection overall (all risk) to give the best protection, but you need to take into account the economic side. Loss or damage caused by motor vehicle collisions, collisions, overturned, skidded off the road. Fire, towing costs, theft, including theft that preceded / accompanied or followed by violence or threat and an additional warranty.

* Do not just stare at the size of the premium to be paid. See the company's credibility, especially in terms of services, claims handling and financial capacity.

* Many insurance companies are credible and bona fide, though without the support of re-insurance companies. But there's no harm in finding out the track record of re-insurance company (if any).

* Does the company provide additional benefits, such as 24-hour claims service, free towing, car replacement, guarantee 24-hour claims processing, etc.?

* It is better you see the company's partner shop network. How much, where they are located and how the quality of these workshops.

* Understand exactly anything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, what the pros and cons for you?

* Do not be fooled by the offers provided by insurance companies. Get to know before making a decision, and choose a healthy insurance.

thus, may be useful ..

importance of car insurance in the world

about the importance of car insurance in the world Often we say that why would insure our cars. If the car never / rarely used sehiingga less likely to experience damage or loss.

The statement above is true because Why should we waste money to pay for expensive premium cars if we never / rarely damaged or lost., But we can not predict what will happen in the future. If man can know the risks he would face, of course people will take precautions. To address these risks.

This type of auto insurance coverage in accordance with current conditions.

In buying insurance, especially auto, insurance policies must comply with the requirements ..

example:

Some of this year, in Indonesia especially some places in Indonesia like a riot. You as the owner of the car would feel uneasy if you bring a car on the road. You certainly do not want a good car it becomes damaged by hurly - burly. To address these risks choose the car insurance covers the risk hurly - burly.

so do not hesitate anymore to insure your car, to avoid any possibility that could happen to a car anda.sekian, may be useful.

how to measure the credibility of the companies car insurance in the world

how to measure the credibility of the companies car insurance in the world :

1. No doubt the company's credibility

The simplest way to see the credibility of the insurance company is to see the recognition of independent institutions. For example, as the best insurance company, best brand, recognized as the largest insurance company with capital, the largest fund-raising premiums.

2. Having a complete product

This indicator is true is still associated with the first indicator of the company's credibility. The reason, a good insurance company is having a full service product.

Generally, large companies that have products ranging from All Risk (or provide protection of all types of risks), Total Lost Only (only loss) third party liability, personal accident, riots, floods or even earthquakes.

3. Professional workshop has many partners

The insurance company has a network of reliable partners of many workshops. Because, if there is the risk you do not have to bother or bothered to look for a partner company's workshop.

You also can save time, effort, and cost. You can at any time to monitor the quality of the work in the workshop.

It also checks to ensure the level of professionalism workshop. You can check ranging from small things such as the suitability of paint from the garage with your car's original color and other work.

"But before choosing a company, you should also ascertain whether the company has a reliable partner workshop,"

4. The claim does not beat around the bush

If you do not know what it will be in the company's claims process, and are still in doubt you should just forget about that company. Although it offers a cheaper premium rates should not be tempted.

Why would you pay cheap, but when there is risk of profit protection you get is not worth it or make you upset precisely. "Moreover, long-winded process. Your stress will increase, because the car is lost or damaged convoluted process that makes the heart upset, "

5. There are additional services

One principle that you must grasp is, buying an insurance policy is to help you when there is risk. Including the risk at a time when even the slightest way, such as a car breaking down, a tire on the toll road's others.

So make sure whether the company would you choose to have additional services that you need at the moment there are events happen to you. Although the incident was trivial, but enough to keep you busy. If no, you should look for another company.

When you have found a company with such criteria above then the next step is to ask for an explanation of the marketing staff of the company in detail. Do not forget to read the clauses of the agreement in the deed of covenant.

It is important, because so far people are often lazy to read it because in addition to writing using a small amount hurugf seabrek well. In fact, if there is risk of insurance companies (especially those 'naughty') attempt to dodge based on the clause.

may be useful ...

how to choose the right insurance services

well, this time I'll discuss a bit about how to choose the right insurance services.

Choosing Car Insurance Services company to protect your favorite vehicle is not simple. In the midst of competitive providers of Car Insurance Services, with the lure for consumers, should make us more careful in selecting the company the right Car Insurance Services.

Below are tips and tricks for you who want to choose the right Car Insurance Services:

1. Services Car Insurance Make sure the company has good financial capability, so you're sure that when there is a claim the company can pay for it.

2. See if the company's Insurance Services The car has a complete assurance that you need, such as comprehensive, TLO, third party liability, personal accident, riot, flood, or earthquake. Ask for a detailed explanation about the various types of insurance offered it. Then select the type of insurance from the Insurance Services Mobilyang offered as needed.

3. Do not forget to allocate funds each year for insurance. Choose the package of Services Car Insurance that fits your needs and financial capabilities.

4. See accessibility and service companies are Car Insurance Services. Services Car Insurance Make sure the company selected for opening convenience later on, if you must call for an extension of insurance claims or interests.

5. Car Insurance Service Choose a company whose services do not convoluted making it easier for us when claims covering the survey process, the availability of workshops, and the quality of the workshop.

quite so, may be useful for you all ...

An easy way to find Cheap Car Insurance For Teens

OK buddy, I want to share about the easy way to find Cheap Car Insurance For Teens, gini mate .. one of the first things to do before you buy a cheap car insurance for teenagers is to determine the type of coverage you need for your young driver, and how much you are willing to spend.

In some countries, all required drivers to carry Personal Injury Protection, but in other countries it is only required to carry liability coverage. No matter where you live, you need to get some types of questions answered before you buy policy.

Here are some of the more important question to answer before insuring your teenage driver:

Learn why car insurance rates are very expensive for young drivers.

Insurance companies base their premiums on the calculated risks associated with sex and age of the driver. It is a well known fact that young male drivers, for example, have more accidents than female drivers in the same age group.

Also considered is whether or not the driver of men married or single. Public Interest will be higher for single men than single women are going for. But adolescents in general, male or female, will pay more for insurance than older drivers.

Is it possible to be added to the policy of parents automatically?

You can usually save quite a bit of money if your teen driver will be added to the policy of your family and drive the family car only. But if they will have their own cars, they will most likely pay more for insurance.

Does age matter when taking a new policy for my teen? Probably not, as long as you have a valid drivers license. However, in some states you must be over 18 years to have a car and driver's license in order to obtain car insurance for teenagers.

Does the level of affected if during an accident or if traffic tickets issued violence?

If you are not guilty in a crash than your insurance rates may not be affected. But if you are found guilty than there is good chance that your price will increase when you renew your policy. Drivers at fault in an accident is considered a higher risk to insurance companies and until you drive for a few more years with no accidents, you can expect to pay higher premiums for a while.

If I loan my vehicle to a friend and they get into an accident they are covered?

Most of the time, if someone is using your car with your permission will be covered by your auto insurance policy. But if they have an accident, insurance companies can raise interest you as if you drive your own car. They can even limit the coverage if the driver was borrowed your car, so be careful and not just your car loan to anyone that you do not believe is a responsible driver.

If you report all accidents no matter how small they are, to my insurance company?

It is very important to notify your insurer of any accidents involving your car and another car or property. If for some reason the other party decides to sue for damages, your insurance company may not cover an accident if you do not report from scratch. In such cases they may not be able to defend you because it is not reported.

Obviously yes, it is important to let the company know about all the accidents you even though you may not end in a claim for coverage. However, if you do not report this incident then you may even have a risk demanded by the opposition and your insurance company may not even be able to defend strongly on the side of my friend, may be useful .

Keeping Your Car Insurance Tips

Let me share my friend all about Car Insurance Tips Keeping Your ...

For most people the cost of car insurance is the single largest insurance costs and high prices always go up after health insurance, more or less like that. You can save money on your car insurance premiums by following these easy steps below:

Find Discounts. If your car has certain safety features., Make sure that you are aware of this insurance. old cars, for the most part, do not have air bags but if you have a model that has air bags, you will save money on your insurance.

Reductions for business, If you drive your car for business, part of the cost of your insurance may be deductible. Conversely, your rates can be increased if your insurer know that you are using your car more for business than pleasure.

Multi insurance, insurance Buy your home, car and life insurance policies from the same broker and you can save on your premiums. Can also buy all the insurance needs through one company may get a discount Danda.

Consider Before you buy a sporty car privilege, because it could raise your insurance rates sharply. Perhaps less sporty model would be ideal.

You may have followed the course of driving as a driver because it is more specific and insurance companies that you have not taken into account when determining your premium. Let them know that you are a reliable driver and bersertfikat!

If you have moving violations are reported to your insurance company, make sure that you adjust your insurance premiums down if several years have passed since the incident. You can pay a higher premium than you deserve to pay.

Check your insurance policy if the insurer discovered the wrong address, city or zip code on your policy, you can get fined and pay more than they should ..

Reducing the cost of car insurance you do not have to be very efficient because it is impossible. By following the steps above, but you should realize some savings at the time the next one might be able to change it is therefore always check information is also coverage of insurance you are taking. Hopefully useful to all ya friend:)

proper selection of car insurance in the United

Along with the rising trend of traffic density and crime on the highway, then the increase is also unfortunate tendency terjdinya who menygkut your car, from a relatively mild such as hit, scratched, pecongkelan rearview mirror, until the kind of heavy like a collision, motor vehicle theft and even robbery .

how the selection of the right car insurance in Amerika, like almost every other state, is an obligation to buy insurance before mobl and other vehicles driving public streets. If you want to save money on your Car Insurance then there are some thing you should know and do.

First, it includes anything or know what protection you will get. People generally buy auto insurance to protect against losses, improved vehicle accident. Car insurance.

Second, take the whole occasion is proposing price cuts in auto insurance if you are, for example, a student, over age 50, a driver who healthier.
Insurance premiums will vary depending on the various factors and some others who like the type of vehicle and the intended use of the vehicle. Also some insurance offers more protection than others and include differences in the classroom / stage.

Get as much information from other insurance companies and do as much research before buying any policy. Some information can be obtained directly (online) and ill be no reason whatsoever to take decisions without explanation.

You can also obtain an explanation from the local insurance office in your country.
Some tips on who should be remembered are:

1. Be wary of offers from door to door and offer from the insurance over the phone

2. Jgn provide identification number (ID) a private insurance company's off-you to you know.

3. Make sure in advance who will be selected insurance including car insurance category who have got prediket Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification are clearly indicates that insurance is a reliable, trusted, and proven to be responsible in serving its customers claim.

Cheap Car Insurance Compare the way

Compare cheap car insurance, car insurance refers to insurance which is common for insuring all types of vehicles against all kinds of uncertainties that could cause damage.
Compare Cheap Car Insurance
Car insurance refers to the Insurance That Is common for insuring all types of vehicles against all Kinds of uncertainties That may cause bodily damage to the vehicle. The sole reason behind insuring the vehicles is That it Gives protection against the losses Incurred due to accidents. Car insurance is available for consumers Such WHO want to buy insurance, to protect the life span of Their vehicles and also for recovering the amount of the damage That the vehicle survives. People usually buy these insurances for all kind of carmobiles like cars, trucks and other kind of vehicles, to avoid any risk. Different Kinds of coverages have been started by the insurance companies, to suit the interests and the needs of the insured.
Compare cheap car insurance, car insurance before buying, it is Very Important That the person goes for a thorough analysis of the proposals Offered by different companies for Such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, the which suits his needs and the which proves to be very economical. Many companies also give different discount schemes to attract more and more consumers. The consumer can save a good deal, while purchasing car insurance by Comparing the quotes of different companies and choosing the cheapest one the which Satisfies all his needs.
Quotes from different companies can be compared on the internet, for buying the best available car insurance, it provides a Wider platform to the consumer, where he can easily access and compare quotes from Several companies and choose one Among Them. The main thing about choosing a quote Is that the quote need not necessarily be cheap but the company must be an established one on the which the customer zeros on.
Should the consumer not only compare the quotes of different companies but also companies, Their reputation and Their way of service. While Comparing, the consumer is more acquainted with the different kind of coverages are available and choose That Among Them According to the needs.
The major Hullabaloo about insuring carmobiles is the Increasing Reckless That accidents are tolling high on the records. These can only be reduced once the certainty of the accidents is reduced. The companies quote Their prices for insuring depends of Various factors like the age of Person to Whom the vehicle belongs, the location where the car is Bought and supposed to be used in the area and also many other factors. The details regarding the car like its parking place, whether it has a garage Because That reduces the risk of being Stolen or Damaged. Also the mileage of the car is a deciding factor of the quoting the price of insurance.

types of car insurance

At this time has developed various types of insurance in society, in risk management, insurance allows the sharing and transfer risk, this is the best way to compensate. Most people do not understand the fundamental differences in the types of insurance, but to determine the insurance program that best matches your needs, we must recognize the types of insurance.


Insurance is divided into two main types
1. Traditional Insurance
2. Non-Traditional Insurance (modern)


In the Traditional insurance, divided several types of insurance, this insurance typically has long been used by many consumers.

Traditional insurance consists of:

1. TERM
2. Wholelife
3. Endowment

Explanation TERM
- You never know about or Motor Car Insurance? Or maybe health insurance? Well kind of term insurance is usually purchased by many people, because the premium payment is cheap and getting great benefits. In other words, pay less, failure by many, but if it is not used in insurance claims and does not occur, then the money we deposited will be forfeited. From that fact, we can see, there is no savings element in this type of insurance, so call us to buy our security guarantee within a year or a certain period. We pay the same as travel insurance, the time will be billed an amount of money on a plane, after getting off the plane safely, the contract is completed. Due to the premium payment period is not specified, then every year, premiums will increase with increasing age the insured.



Explanation Wholelife
- Wholelife, meaning a lifetime. This type of insurance protects the insured until the end of the age, is usually covered up to age 99 years. And incredibly! premium payment period is determined from the beginning, there can be no extension of the premium payment period. If elected for a 5 year, yes five years of pay, then a lifetime will not be billed again, whenever we die, we can still claim the sum assured that we have planned. Because the system is saved, then started the second year of the policy cash value that is formed, in a certain year the savings can be captured at up to 80%. Keren ga? Besides the permanent protection of the road continues, there are also savings, cash value but not much compared to the value PROTECTION.


Explanation Endowment
- Endowment, this is life insurance with a value greater savings. In certain years the savings could be withdrawn in accordance with the program. Usually this type of insurance known for its insurance education insurance or pension funds. Insurance education is determined when the money could be taken for school fees dear. Endowment system, the savings are a bonus life insurance, if something happens during saving, then we get the sum assured as death benefit, but in the event the obligation to pay claims, insurance companies still pay the claim until the completion of his contract. Usually the premium being offered is much larger than the type and Wholelife TERM.

Example: Budi took 32 years for child education insurance Desi, 2 years. At the time of paying the premiums, at the age of 36 years Budi Dead. At that time the wife of Mr. Budi get the death benefit specified amount UP, free and pay the premiums. At the age of 7 years Desi, Desi still get a scheduled educational claims, and at age 13, age 16, age 19 years, and so on.



Okay, we'll talk a little about Non-Traditional Insurance

Non-Traditional Insurance or so-called modern insurance, is insurance to the type of UNIT-LINK. Where the Unit Link Insurance is very popular at the moment, why? because Unit-Link is a type of insurance that combines the Life Insurance and Investments. Life insurance is mated with the investment, is the type TERM. Remember! TERM if it is a short-term insurance, and insurance costs could rise with age.

UNIT LINK = TERM + Investment

Most people take the Unit Link because he wanted to save the results are many orders of magnitude, than have to save money in the bank, with interest does not amount to much. By investing or mutual fund, the money we invest will grow prolifically. But the thing to remember, the bigger the profit, the greater the risk.

Investment may increase and may decline, according to the economic development of the nation at that time. In times of crisis, then certainly the value of investments that we have fallen dramatically, and consequently the value of our savings will be depleted. If so, do not protest dong .. did not gain much pingin, means it must bear the loss as well .. :)

Certainly, in the type of unit-linked insurance, have no cash value is guaranteed, even the company that issued the insurance policy, can not promise the cash value earned in the year X. Another case of traditional insurance, in her policy is clearly set forth the guaranteed cash value and is obtained in X.

As there is no guaranteed cash value, probably in the year to 11 or more, the insured must pay the premiums back, though promised to pay only 10 years, in fact not listed in the policy premium payment period, so the premiums can be charged back at any time.

Unit Link, bear the cost of insurance is the type TERM, then the annual cost will rise with age, and the cash value that is formed will cut insurance costs and other administrative costs.


Before you choose the right insurance for you, you should consult truly understand the concept of insurance. Since everyone has different characteristics in managing finances.

Tips for Choosing the Best Car Insurance

If you have a car, you might try to buy the cheapest car insurance but do not have enough information to make choices. You can find a variety of insurance companies that offer discounts so that you can minimize the expenditure budget

Here are simple tips in choosing the cheapest insurance for your car:

If your policy is coming to an end, try again review the insurance contract who want to end it, compared with bids from other insurance companies.
Study the offerings of other online insurance companies. Compare and see which insurance companies can give you a big discount to cover a larger
Try to negotiate with service providers to provide discounted car insurance and lower your premiums. The target, you can get a better deal with your current insurance provider or by a new company that gives you a better discount with the coverage of insurance cover is better
Make sure that you are dealing with a reputable insurance company. You can check it online. You can see some problems that may arise in the case of claims against those companies. Until then you can choose an insurance provider with the lowest complaint
These are simple tips that you can follow so that you can choose the cheapest car insurance for you. Choosing the best providers that offer best value for your money, so you will feel at peace knowing that there is someone you can count on in case of unexpected events that we do not.