Home » Posts filed under Car Insurance Simulation
Showing posts with label Car Insurance Simulation. Show all posts
Showing posts with label Car Insurance Simulation. Show all posts

Cheap car insurance: how?

Posted by Kevin C.W. Tuesday, April 9, 2013 0 comments
Clearly the Internet is tool that will allow you to find auto insurance cheap or cheaper than what you pay today.
Cheap car insurance: how?
You will find competitive prices while being well covered by asking multiple quote car insurance in just a few clicks.

On the other hand, should not focus only on the price insurance, it must also check guarantees and deductibles. In the event of problem, we very quickly forget the price of its insurance premium but looking at how it is covered and how much is our franchise. Cheap auto insurance doesn't have to be not at the expense of the guarantees.It must anticipate that at the time where you purchase your insurance to avoid surprises later.


Your vehicle is more fine listed on the Argus (see our free argus), you need not all auto insurance coverages.

Compare prices: get an overview of the market
First before committing to a new insurer, made a balance of the guarantees that you are not or more in your old contract. Make an assessment of your profile in order to contact an insurer that suits you best. Depending on your profile, insurance create specific contract. Each profile has its contract: bonus/malus, official, low mileage etc.
Find the insurer that you matches by comparing different insurance companies, and ask for auto insurance quotes. Set your profile and find an insurer that will offer you a product "suitable" and therefore less expensive. Do not hesitate to use the Turbo.fr insurance comparer to find insurance that corresponds and request quotes for auto insurance, this is the best way to compare offers and get cheap auto insurance.

Compare prices: do not fall into the Panel
Our comparator gave you several offers corresponding to your profile, you not only set on the price. We must be well aware and compare warranties. Indeed, you are going to have quotes insurance auto so-called 'low cost' tempting, but usually a high franchise which will be your dependant disaster as well as guarantees ceilings low.

Generally, there is a tendency to stop on the price that defies any competition. Redouble attention insurers their ingenuity to seduce you. They have very attractive prices but the franchise will be very high. However, it would be better to pay a few more cheap guarantees and to have a reasonable deductible. Be careful, do not throw you on the initial offerings.

Be careful also to your insurance premium. Some companies offer to settle your insurance premium every month but often with additional charges! Ask good question. Pay in the year make you often economies.
We do you never say enough, compare insurance not expensive, ask for auto insurance quotes and do compete. It is for you to make your choice and not the opposite. You'll save money for sure!

Forms of Car insurance

Posted by Kevin C.W. Wednesday, March 27, 2013 0 comments
Car owners can take out three different car insurance: a motor vehicle liability, a partial cover insurance and a waiver. Speech is simply from the car or car insurance is meant mostly the former, because the insurance is a compulsory insurance, which must be completed for each car. The other two policies provide optional additional protection.


The liability insurance takes over when third parties collect legitimate damages claims against policyholders after an accident. It pays for:
  1. Personal injury
  2. Damage to property
  3. Damage to property
Teilkakso insurance covers damage to your own car. For example, these include:
  1. Fire damage
  2. Elemental damage
  3. (Partial)Theft
  4. Short circuit (approximately by Marten bites)
  5. Breakage of glass
  6. Damages
A fully comprehensive insurance includes mostly the partial cover insurance services, but beyond. It includes the following:
  1. Vandalism
  2. Damage caused by own fault
  3. Failure of an opponent's liability insurance (such as hit and run)
The conclusion of a comprehensive insurance is particularly useful when the affected car is new or only a few years old. To find the optimal protection for your car, you should compare the different car insurance, weigh on the other models - some with higher deductibles.

A special feature under the insurance for the vehicle is the so-called Mallorca police. This is a supplementary insurance for rental cars from abroad. She can be completed not only for Mallorca and worthwhile if the own car insurance does not provide sufficient protection. Before graduating, you should perform a car insurance comparison.

Read and understand his car insurance

Posted by Kevin C.W. Tuesday, March 19, 2013 0 comments
Read and understand his car insuranceIt is often difficult to understand his auto insurance. However, disaster, we realize that ultimately we have not made the right choices.

Here are some steps to understand better his contract and choose the right options.

Most policyholders tend to refer to the price of their insurance premiums to make their choice. If the price is important, it should not be your only choice.


Civil liability and limitations
So-called third-party coverage contains at minimum liability insurance. It is compulsory and covers damage you might cause accidents whether they be physical or material. On the other hand, it does not cover you you and your vehicle. If you think that the value of your vehicle does not need to guarantee all risks, it is your choice. It depends on its starting value. On the other hand, it is important to cover you as a driver in an accident.

The individual guarantee driver
To cover you you as a driver, accidents causing physical injuries, it is important to purchase an individual guarantee driver. This warranty is not always part of the insurance contract to the third party, so it's a clause to be added to your contract, a clause that is important not to neglect.

Insurance all risks
The term insurance all risk can be confusing. It includes the liability and insurance covering your own wounds or repair on your vehicle. However, insurance all risks does not mean that you are covered for everything. Also, some for example impose limits on interventions. For others still, it is for you to choose the coverages, such as theft, glass breakage, fire, weather...

The price of the franchise
Finally, if some insurance companies have very low prices, they often compensate on the prices of the franchises. In addition, the operation of franchises is often explained in a complex way, it is important to speak with your insurance company in order to understand the limits of your car insurance.

Car insurance: calculate its auto insurance rates

Posted by Kevin C.W. Monday, March 18, 2013 0 comments
Car insurance: calculate its auto insurance ratesAuto insurance rates are very difficult to calculate because many elements come into account in the calculation of the price of car insurance.

Given this complexity insurance companies have teams of statisticians that establish different prices to a quote for insurance car on the basis of the set of elements that is your 'profile '.
We cannot explain how insurers calculate exactly a quote for auto insurance because too many elements are taken into account. On the other hand, we will try to describe in outline the main elements.


Main criteria for auto insurance rates
The main elements that enter into account in the calculation of a car insurance price are: the type of vehicle, the geographic area in which you want to be assured, your age and your profession.
In addition, should add to these criteria your historic insurers (bonus/malus) which plays a crucial role in the calculation of an insurance quote. It is difficult to go into the details on the calculation of the bonus/malus and quantify the impact it has on the amount of the insurance auto quote.

We have compiled a list of the main criteria common to auto insurance companies. But some insurers have their own criteria as for example the color of your car. If you have a red car, you pay more at some insurers! Why? These insurers believe that a driver who has a red car will tend to roll quickly because this color is more typed sport. Therefore prefer more «classical» colours

You'll understand it almost impossible to draw up an exhaustive list of the criteria entering into account in the calculation of an auto insurance quote.

The criteria are usually different from one insurer to another, we recommend that you compare prices and request quotes for auto insurance, it's free! Do not hesitate, it takes 3 minutes and it can make you make significant savings. Compare car insurance rates, you'll see that for a same profile rates may vary from simple to double.

Car Insurance all risks / third party insurance: which one to pick?

Posted by Kevin C.W. 0 comments
Car Insurance all risks / third party insurance: which one to pick?You have an insurance all risks in recent years and the value of your car has declined since. What is always interesting to take out insurance for all risks? Should you go to the third party? Reduce your auto insurance coverage?

Determine the opportunity side of your car
Ensure the vehicle in all risk only makes sense if your car has a certain value. To do this you first to determine the value of your car by checking its coast on the occasion (see our free argus). It is very important to know the value of the vehicle as this will affect the choice of warranties.


Choose good guarantees
The choice of the guarantees is quite complex to ensure his vehicle. Below the main guarantees:

'The civil liability or the third party cover' is mandatory and ensures compensation for all the damage and injury caused to third parties but it does not do any damage to the car of the insured.

"The guarantee of bodily injury sustained by the driver (responsible for the accident or not)

"The guarantee of damage (theft, fire, glass breakage, collision etc.)

«Warranty damage all risks» allows you to be compensated for the damage caused to the third party, passengers and vehicles, and, that the insured is responsible for or victim of the disaster.

Keep coverage all risks?
If the side of your car is low (check with our free argus, your all-risk insurance premium will remain high. It is not worth not necessarily. At a certain moment in the life of your car, it will cost you more expensive auto insurance all risks to pay disaster responsible for minor repairs of course. If your car is not in very good condition, your insurer take this into account in the calculation of your benefit responsible for disaster. Insure a car in all risk that is not in good condition is rarely profitable for the insured. Some insurance companies require even to insure a car in all risk a "Visual inspection" in one of their garage approved, before agreeing to ensure in all risks. This allows the insurer to get an idea of the general condition of the vehicle. Each deterioration is listed and taken into account in the calculation of your benefit disaster where you are responsible for. Yet once, do not hesitate to get a car insurance comparison by requesting insurance quotes all risks.

Guarantee flight / fire: a good solution?
This formula seems perfectly adapted to old cars. Indeed, it allows to slightly lower the amount of the premium and keep essential guarantees such as theft or fire. The only case where you are not covered, it is responsible for disaster. But for sure you will make significant savings on your auto insurance premium.

Car insurance quote: Why ask for it online

Posted by Kevin C.W. Sunday, March 17, 2013 0 comments
Car insurance quote: Why ask for it onlineThe request for quote online has become commonplace, and insurance including auto insurance.

Easy, fast and convenient
Easy and within reach of almost all it is a way for the user to better control its budget, but also his future contract clauses. At the time of the Internet, it has become easy to request quotes online, including car insurance. So, this gives you the opportunity to solicit different insurers, in order to get a better idea of the market.


The time to understand
Once the quote is established, you have all the time to understand the future contract, to think about the right questions to ask your insurer based on your profile. Without stress, you can study at best the different proposals that have made you. They must match your lifestyle and the use you make of your vehicle.

For a contract that looks like you
You know if you want to insure your car to the third party or all risks or guarantees that you want in addition to the level of assistance for example or ceilings of compensation and franchises.

Time to compare
Establish online auto insurance quotes, it is also taking the time to compare the different insurance companies. Through the different available comparators, you will thus have the opportunity to get a better idea of the auto insurance market.

Have the weapons to decide
Once the comparison made online, you can then proceed to the next step. With the quote which you are interested, do not hesitate to contact your insurance by phone in order to have the maximum amount of information on the quote that you have and make your choice in full knowledge of the cause.

Car insurance: find a discount/low cost auto insurance

Posted by Kevin C.W. 0 comments
Car insurance: find a discount/low cost auto insuranceThe price of a contract of insurance is an important criterion. Check out our tips to choose insurance discount!

Online auto insurance are deemed cheaper than those purchased from physical agencies. Through more a car insurance comparer, the potential savings are much greater.

In order to remove any ambiguity, the terms discount or low-cost return to auto insurance rates and not to the quality of the selected coverage. This means that it is quite possible to find a discount insurance and protective to his car.


Insurance discount: opt for a comparator of price
Today, more and more auto insurance companies implement offers 100% online. The primary benefit of these new contracts is that they are less expensive than agency. Thus, estimated 20 to 40% average savings that can be realized by the insured who have chosen auto online insurance.

Moreover, motor insurance online are often present on the panel of the comparators of insurance. This state of fact offers to the person who is looking for a contract of insurance the opportunity to compare several offers low cost.

Moreover, passing by a comparator of insurance to ensure the level of guarantees of proposed contracts.

Low cost auto insurance are available for all forms
While one might think that only the insurance to the third party, in that it covers civil liability compulsory law, can be found cheap, it is actually given to the savings on all forms car insurance.

Indeed, even for auto insurance all risks, makes the most complete insurance for his vehicle, the driver can subscribe a contract discount, able to well support the damage sustained on his vehicle or which it would directly be victim.

Car insurance: the importance of history to the underwriter

Posted by Kevin C.W. Saturday, March 16, 2013 0 comments
Car insurance: the importance of history to the underwriterHow your past of driver influence the price of your insurance?

Auto insurance prices are not fixed arbitrarily. Indeed, many criteria are taken into account to determine rates. It is because of the diversity of these factors that the prices vary so much depending on the model of car that you and the person who assured him. Because all these criteria, the history of the driver is crucial.

How does history affect prices?
Indeed, the profile and the past of the insured are decisive in the fixing of the price of the insurance. For example, a driver who has his permit for 1 year, will be considered more at risk than a driver who owns his 15 years. This will result in an increase in the rates for the young driver.


But there is not that the basic price that is modified by the history. Prices can still evolve after the signing of the contract, particularly because of the bonus/malus. This system, imposed on all insurers, reward good behaviour and penalise bad. Specifically, every year, the insurer recalculates its tariffs for each of its policyholders depending on their behavior the previous 12 months. Thus, those who have been responsible for any accidents will receive a reduction on their premium. On the other hand, those who have been responsible for an accident will see their premiums increase.

The criteria which are not taken into account
However, it should not be thought that everything, absolutely everything, is taken into account by insurers. Some criteria are not always successful or even are never selected. For example, if the insurers have the right to increase the price for those who commit an excess of speed, all do not.

The criteria that are never taken into account, include also for no parking fines, which are not expected to be included in the dossier of the insured and shall not be taken into account by the insurance. Similarly, if it is necessary for the insured to declare the handicaps from which it suffers, whether they are visible or not, the insurer has however not entitled to retain this criterion to justify an increase of premium: this is perfectly illegal.

Car insurance: intermediate car insurance: between one-third and the all risks

Posted by Kevin C.W. 0 comments
Auto insurance: intermediate car insurance: between one-third and the all risks
Discover the advantages of the intermediate car also known as the third most insurance insurance

When the insurance, the choice between several forms arises. Among the known formulas, there is the third party insurance and insurance all risks. But it is also possible to opt for a somewhat different and less known formula intermediate insurance.

Before explaining what is third party insurance, should remember what are the other two options.


Traditional forms
The third-party insurance is the legal minimum. It covers only the damage that you may cause to another person at the wheel of his vehicle. On the other hand, if one is involved in an accident which is not responsible for, it is the insurance of the driver responsible who will refund. Generally, a third-party insurance coverage is never as good as the insurance all risks.

It, on the contrary, as its name suggests, offers full coverage. Whether responsible or not, that a third party involved is identified or not, that you are victim of a natural disaster... It is always covered by insurance all risks.

What is the intermediate insurance?
To summarize, we can say that intermediate insurance, also known as the third most insurance, is a sort of in-between, at halfway between the two formulas presented above. It covers civil liability, theft, fire and ice breaking.

It is interesting for those who think that auto insurance in the third party coverage is too narrow, but have no means to pay auto insurance all risks.

As always in the world of insurance, it should, however, ask insurers to learn more because the companies offered warranties vary, not to mention the price.

Copyright © 2012 Car Insurance. All rights reserved.

Super SEO created by Blogger Tuts | Published by GalleryBloggerTemplates.com