Tips for Choosing the Best Car Insurance

In order to get the insurance cover that suits you, as well as the cost of premiums that are not too burdensome financially, then you must choose the best car insurance among the many insurance companies that exist. Of course, these considerations cover many things, tailored to your needs and financial capabilities.

Well, just see a few tips on choosing the best car insurance we have summarized below:

1. Car insurance is not just protecting vehicles

The most ideal car insurance option is insurance products that not only protect vehicles. But the insurance cover also to the protection of you and also your family.
This means that this insurance not only protects the vehicle, but also provides coverage when at any time you accidentally refiyourauto crash into another vehicle on the road.

By joining this insurance, you will later be able to transfer the responsibility of compensation for damage to the car that was hit and also the car itself to the insurance.

2. Can protect you from motorists without insurance

Well, the second consideration when choosing the best car insurance is to choose the type of insurance that can also protect you from those who do not have insurance.

For example, when driving on the road, suddenly your car is hit by another driver and it turns out he did not join the vehicle insurance program. Then you can submit a claim to the insurance.

This condition is certainly more favorable, because many of the drivers are unable to pay compensation for the damage to the car they hit. By joining insurance like this, then you will still be able to repair the car without worrying about the amount of the cost.

3. Cover the cost of medical treatment due to accident

The next ideal car insurance criterion is insurance that can cover the costs of caring for insurance participants if they are injured due to an accident. The insurance will pay for treatment and other victims if you are the cause of the accident.

With this type of vehicle insurance, then you certainly will not be too worried anymore because it has been avoided from various unexpected costs when injured.

4. Insurance that can protect vehicles from flood risk

Another consideration that is equally important is choosing car insurance that provides extra protection, from the risk of flooding for your vehicle. This choice is very important, considering the Indonesian climate which only consists of 2 seasons namely the dry season and the rainy season.
Especially for those of you who live in flood-prone areas like Jakarta, this protection is important to choose from.

The risk of vehicles affected by flooding is indeed very high, not only in Jakarta. Most major cities in Indonesia such as Semarang, Samarinda and others often become flooded customers during the rainy season. So, if it is covered insurance can certainly be calm if at any time caught in a flood on the way.

5. Protection against the risk of car theft

If you live in an urban area with a low level of security, then you should ideally consider insurance services that cover losses due to theft as well.

Some insurance companies do exist who dare to provide protection against the risk of car theft. Of course by choosing this type of insurance, the mind can be calmer and sleep more soundly.

6.  Adjust as needed

Although all insurance protections promise benefits for their clients, the premiums that must be paid by each client are also different. Depending on the broad range of protection offered.
To choose the best car insurance, you must consider various things. For example the type of vehicle, vehicle price, age, engine condition, vehicle body and so forth.

Normally there are two types of car insurance is provided by insurance companies, namely:

1. All Risk Comprehensive y aitu car insurance which guarantees nearly all of the risks that could occur in your vehicle. Ranging from large accidents to small.


However, there are some exceptions to the risk guarantee that are not provided and you must be familiar with these regulations. So, ideally, ask in detail in the marketing department related to this matter for consideration.


2. Total Loss Only insurance is a type of car insurance that guarantees protection for car accidents with a damage rate of just over 75%. Under that, you cannot submit a repair fund claim to the insurance company.