Having a vehicle, in this case, a car is not only useful for facilitating daily transportation. Because the vehicle is also an important asset. If an urgent and important need arises in the future, then the vehicle can be sold. Although the value or selling price of the vehicle will go down.
Therefore, we need to maintain and guarantee the protection of the car from any risk of damage that could occur. So that the physical condition of the car can remain perfect so that the selling value of the car does not drop too much. In addition, the benefits of car protection can also minimize losses when we experience loss or theft.
There are so many insurance companies that offer various types of products with various facilities. With so many choices, we must be observant in choosing the best car insurance which is the most suitable and according to our needs.
So how can we choose the best car insurance product? First, consider the following important factors:
1. Company Credibility
First, check the credibility of the insurance company that you will choose. Learn in detail about how reputable the company is in resolving car insurance claims. Is it fast, reliable, and reliable enough? Also, check how long it takes the insurance company to process a claim submitted by the insured. Choose an insurance company that already has a large number of customers and is known to many people, such as applying for online ACA car insurance or online vehicle insurance from MAG.
2. Choose the type of car insurance according to your needs
Choose a product or type of insurance that suits your needs, such as all risk insurance or total loss only (TLO) insurance.
All risk insurance will provide full coverage for almost all risks that will occur to your car, including major and minor accidents. This product is a great choice for new car buyers and is often used every day.
However, if the vehicle is more often at home, the type of total loss only (TLO) car insurance is more appropriate. This type of insurance will cover vehicle damage that occurs above 75 percent. In other words, the insurance company does not cover accidents or minor damages.
Therefore, before choosing the type or product of car insurance, we must first consider the condition of the engine, physical condition, age, and other supporting factors which are important in determining the type of insurance needed.
3. Study the Police
Study in detail all the types of insurance options that you are interested in, then choose the type of insurance policy that best suits your needs and abilities. Also, pay close attention to the type of insurance policy based on the benefits and uses that you want.
4. Don’t be tempted by cheap premiums
Due to intense business competition, now many insurance companies offer various attractive-looking promos. For example, there is a promotion with a low premium price. Even though the facilities we get from car insurance depend on the premium value.
The higher the premium paid, the greater the facilities that we can get. This also applies the other way around. Therefore, it is recommended to choose a premium value that suits your needs and abilities.
5. Dealer Recommendations
We can ask for recommendations regarding car insurance companies from car buying dealers. This will facilitate the screening process in finding insurance companies that have good credibility.
6. Partner Workshop
Make sure the insurance you choose has a good track record. We can check the network of branch offices or partner workshops. The network of branch offices and partner workshops will greatly affect the claim process when there is damage or an accident. Several insurance companies have a large network of partner workshops, such as Garda Oto or Sinarmas.
But practically, listen to the natural survival instinct. Choose insurance that makes you feel safe and comfortable.