Few Think to Consider before Choosing the Right Car Insurance

There is a wisdom that we got from the disaster or the incident that struck us.We afterwards glanced at the insurance company for the security and comfortable of all property we have even our spirit also. Together with the increase trend in the density of the traffic in the highway and the act of criminality, then it is increased also by the occurrence trend of the disaster that was related to our car, from that is relatively light as colliding, scratched, the theft of the rear-view mirror, to that is heavy like the collision, the theft and even the robbery.

To satisfy the requirement for the safe feeling, you could choose the product of the car insurance that could give the protection for risks that possibly could happen to your car. Many insurance companies claim that they are the best. This could be seen by the insurance product that was offered to the community through advertisements. Likewise with the promotion of the achievement that was carried out by them, always featured that is good. Therefore, had several factors that ought to be considered in the process of choosing an insurance company especially for the life insurance and the loss.

Three main factors that must be consider in choosing the car insurance company.

1. The strength of finance ( security ) The problem of the strength of insurance finance was related to this capacity of the company's finance to meet their liability during the consumer claim. This is important to know, because there are some insurance companies that luxurious appeared outside, for example his building is stratified and his management's cars was very good. But when the customer took their claim this company could not pay.

2. The services The services are the indicator for the human resources in this company that is has a good quality or not. Moreover, the insurance company sold the service, so the first class service is the main key. For example, how fast the speed of the good service in publishing the policy, moreover in benefit payment or the claim. Besides that, in fact the matter of the service could be felt personally by the customer. Has this insurance company really give his best service for his customer.

3. The cost The cost problem is about the amount of the cost that was spent by the insurance company during his operation. If the cost is bigger than revenue, then it was clear that this company was inefficient. If being inefficient, then it is possible that this company have the loss. And if the loss is continuing, you should think about it again.

Another consideration that must be paid an attention when choosing the car insurance is:

Determine the protection kind of the car insurance that was wanted. The comprehensively protection (all risk) gave the best protection, but you must count on the economical side. The loss or damage for vehicles caused by the collision or slipped from the road. Fire, the crane cost, the theft, including the theft that was preceded or followed with the violence or the threat and the additional guarantee.

Should not be motionless for the big or small amount of the premium that must be paid. See the credibility of this company, especially from the aspect of the service, the handling of the claim and his financial capacity.

There is a lot of the car insurance company that has credibility and bonafide, although without the support of the reassurance company. However it is not a mistaken to find out the track record of reassurance company (when being available).

Was the company gave a addition benefit, like the 24 hours claim service, the free crane, the replacement car, the 24 hours claim process guarantee, etc.

It is good for you to see the workshop network of the company's counterpart. How many of them, where its location and how the quality of these workshops.

Understand any of your right and obligation clearly. What might be done by you and what is not. Whether there is any exception in the policy contract, what its profit or loss for you?

Do not be cheated with the offers that were given by the car insurance company.
Recognize carefully before taking the decision, and choosing the healthy car insurance.