Want to Buy Car Insurance, Where should you start?

  Cars are an important means of transportation in human life today. Not just for the purposes of traveling, cars have become the main needs of urban communities. 

If you have health insurance to protect you from the risk of disease, for the car should be so. It is important to have car insurance that can protect your vehicle from various risks on the road.

Here are tips on buying the right car insurance :

 1. Search for detailed information about car insurance products

Every insurance company offers a wide variety of different packages. Therefore, you must be careful and careful in choosing the package.

One thing you must do is find out how widely the car insurance product is able to provide protection against your favorite vehicle.

Not denied, the wider the insurance coverage protects the vehicle, the more expensive the premium you have to pay.

But it does not matter if you are able from the financial side and the insurance product according to your needs. 

2. Who has an extensive network

You also have to browse the network owned by the insurance company. The trick is easy, dig up information about the number of branch offices that serve car insurance to how many partner workshops.

Know, the breadth of an insurance company's network is very useful when you want to file a claim. In fact, you can benefit if the subscription workshop turns out to be an associate workshop of the vehicle insurance company. 

3. Not tempted by cheap premiums

It is not wrong if you focus on finding premiums at the cheapest price. But premiums that are too cheap do not necessarily guarantee the quality of service provided.

Nowadays, more and more vehicle insurance companies are offering crazy promos. Premiums start from Rp 10 thousand, or only Rp 5 thousand only.

Most of these companies are even willing to cut prices without thinking about quality. Therefore, you must find out from anyone who has been or is a user of the product. 

Testimonials from previous customers are definitely trustworthy. However, you need to balance this with other opinions from relatives or anyone for the accuracy of the information.
If you still feel less satisfied, there is no harm in visiting or just being a member of a community or forum of car lovers spread on the internet.

Generally, the community has a lot of opinions that you can collect and draw conclusions which insurance is best. If you are lucky, you can even get a number of recommendations about car insurance most appropriately from the relevant community. 

4. Look at his reputation

The next step is to look for information on the reputation or credibility of the insurance company. There is nothing wrong if you ask an associate workshop related to car insurance services.

The fact about the cooperation that is established along with smooth payment, the submission of claims from the insurance company to the workshop can be a kind of benchmark for the selection of the product.

5. Availability of other important facilities

Next is to ask about additional facilities in car insurance. Usually, this facility is in the form of a tow car or replacement car, ambulance, accompanied by customer service that can be reached at any time.

As a human being, you don't know what risks or disasters might be. Therefore, additional facilities from the insurance company must be accessible quickly.

Consider Each Point to Choosing the Right One

There are at least three important things that should be considered when choosing insurance for your favorite car. Starting from the credibility of insurance companies, premiums, and networks as the main service. 

The most important thing is to choose car insurance that suits your needs and financial condition. Of course, it can cover the risk of loss if there is a risk to the car, but it does not burden financially when it comes to paying premiums.

Because, the insurance budget in personal finance not only focuses on financing car insurance, but there is health insurance, life insurance, even home insurance. Don't force things.

If finances are mediocre, you should choose car insurance that is not comprehensive or Total Loss Only (TLO). But if you have more budget, and more comprehensive needs, there is no harm in choosing all risk insurance.