Car insurance: what are the differences between insurers?
Insurers use different criteria for calculating premiums, eg. age, level of (good years without accidents), relief, or power the vehicle. No insurer is therefore systematically less expensive than another. For a given insurer's liability may be the most advantageous market, the comprehensive insurance, however, the most expensive. The price depends on the profile of the driver: the more risks he runs, the higher the premium. The award of a twenty-four who has already suffered a loss may be twice that of a father without incident behind them.
Car: types of insurance
General liability insurance is mandatory and offer the same benefits for physical and material damage caused to third parties in case of an accident for which you are responsible. Unlike RC, Partial insurance is optional. This insurance covers your car against theft, damage or natural fire, vandalism and damage caused by martens. The Collision covers damage to your vehicle insured and normally concluded for new cars. The comprehensive insurance (collision and partial case together) is compulsory for vehicles leased.
Auto Insurance: Tips for saving
To maximize your insurance policy regularly analyze your needs: a car of little value really need comprehensive insurance? You can get discounts to workshops affiliated with the insurer or if you belong to certain professions. A saving is also possible by separating the liability insurance policies and helmet and signing each of the two at the most profitable insurer, in this case, however, they are likely possible delays in compensation due to the separation of policies. In case of loss, the bank can be an advantage to ensure the gross negligence!
The insurance for the occupants
The insurance cover physical damage to occupants of all those who are in the insured vehicle, in addition to the benefits provided by law. In particular, we can supply in case of death, disability, medical expenses and daily allowances to the occupants. Especially helpful obtain such insurance if it is often carrying passengers in your car that you do not know the exact insurance coverage (such as persons from abroad).
Make sure your car collection!
If you own a vintage car, a particular model, a rare or collectible, will undoubtedly have special needs concerning auto insurance, especially for assessing the value of the car. There are specific insurance for collector vehicles. Specific insurance also provides a vehicle not in use, covering and in the case of a claim, the expenses that go beyond the market value of the vehicle. The collectors who own a fleet of vintage cars have special discounts.
Source : http://allonlineinsurancequotes.blogspot.com/2011/02/auto-insurance-basic-information-and.html
