You do not have to be an insurance expert to get a competitive offer for annual insurance on your car, so just take these easy and clear tips ...
Annual car insurance is a significant part of the expenses the owner incurs each year on his car, which usually ranges from premiums (if new), fuel, maintenance, registration fees, parking (if needed), etc. .
Some say that the cost of the car is comparable to the cost of the house, so any savings that can be obtained in any part of the expenses of your car will return you with great relief by saving some money can be invested in other things.
Therefore, I strive to get the cheapest insurance possible, but also beware, cheaper does not mean the most appropriate, as for the most expensive is not necessarily the most appropriate. So you have to choose the most appropriate insurance very carefully, and in turn, we studied the insurance market to come up with six easy and clear tips to help you get the cheapest and most appropriate insurance for your car if you follow. Here are these tips:
1- Search More ... Save More:
Intensive and correct search for the right insurance offer for your vehicle is the first and most important step towards obtaining the best insurance. There is no longer any argument these days not to conduct an intensive search in the presence of websites that save a lot of trouble to traditional search methods as well as give you more details and time to study the best offer. We also recommend that when you get a suitable offer try to contact another company that offers a similar offer and negotiate that you got an offer for a certain value, can you give me a better offer?
2- Don't buy what you don't need:
This is a very important point and the previous step is the best way to go. Each insurance that has several points to cover may not need the bulk of it. For example, there is a silver and gold insurance, and the latter includes services that the former does not offer, such as saving your car in the event of being stuck in an off-road, accident insurance coverage in neighboring countries, and compensation for the loss of some valuable personal property. For example, if you never get off-road in your car, you don't need to travel to neighboring countries at all with your car and don't usually transport any valuable property in your car. So why pay for a higher amount of gold insurance that offers you services you will never need ?!
3. Avoid some additional services:
When you buy insurance for your car, most companies offer additional services such as providing a replacement vehicle until your insured vehicle is repaired after an accident, or paying compensation to a driver and passengers affected by the accident. The above is of great benefit, but although we advise paying higher insurance to cover the injury of the driver and passengers, this is not the case with a replacement vehicle.
4. Higher value ... More expensive insurance:
One of the words that chords insure to attract customers to pay more; is the total car value. They offer a higher valuation of your vehicle in the event of an accident resulting in the cancellation of the vehicle altogether (i.e., it is no longer fully operational or repaired), in exchange for additional fees. What helps insurers persuade customers is greed.You can be happy, for example, if you get $ 23,000 in total value for your car instead of $ 20,000, if your car is canceled and for as little as $ 40. That is, this relatively small amount will return you $ 3,000 later ... What a deal and what a fool! The cancellation of the car is caused only by a very serious incident that may not come out alive to take the extra amount, or from natural disasters such as floods or accidents such as fire, all of which are very rare. Remember that greed is good for your car. Your car may not cost as much as $ 20,000.
5 - bear the amount of tolerance:
If you are the cause of an accident, you will have to pay what is known as a “liability amount” as part of the repair cost. This amount is usually based on the value of your original vehicle. However, many insurance companies are bidding to raise the price of the original insurance in exchange for a reduction in the amount of the liability. As a hypothetical example, the original insurance on a car will be increased from $ 500 to $ 600 in return for a reduction of the tolerance from $ 150 to $ 100. That is, after only two accidents, you will be compensated for the additional amount of insurance, and with the third accident you will return the profit ... right? This is true, but only if you are a light-hearted driver!
6- Are you a light-hearted driver?
If you are, you really need a bank to pay for your car insurance. From the preceding paragraph you can get a cheaper insurance if you increase the amount of tolerance, and this is certainly the best option if you are a driver cautious enough. As a light-hearted driver causes several accidents within a year, two years or more, his record will become black at companies that will increase the annual insurance amount, in addition to some companies offer a special discount for each driver with a clean record. More caution behind the steering wheel and attention means more safety and safety as well.
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