You do not have to be an insurance expert to get a competitive annual insurance offer on your car, and you just have to take these easy and clear tips …
Annual car insurance is a significant part of the expenses that the owner incurs every year on his car, which usually ranges from installments (if new), fuel, maintenance, registration fees, parking (if needed), and other things including insurance. .
Some say that the car’s expense is comparable, even relatively, to the household’s expense, so any savings that can be obtained in any part of your car’s expenditures will yield a great deal of relief by saving a portion of the money that can be invested in other things.
Accordingly, strive to get the cheapest possible insurance, but also be careful, as the cheapest does not mean the most appropriate, and the same applies to the most expensive, as it is not necessarily the most appropriate. So you have to choose the most appropriate insurance very carefully, and in our turn we have studied the insurance market to come up with six easy and clear tips that will help you get the cheapest and most appropriate insurance for your car if you follow it. Here are these tips:
1- Find More, Save More:
An extensive and correct search for the right insurance offer for you for your car is the first and most important step in obtaining the best insurance. These days there is no longer any excuse not to conduct extensive research in light of the existence of websites that save a lot of the trouble of traditional search methods as well as give you more details and time to study the best offer. We also advise you, when you get a suitable offer, try to contact another company that offers a similar offer and negotiate with it that you got an offer of a certain value. Can you give me a better offer?
2- Don’t Buy What You Don’t Need:
This point is very important and the previous step is the best way to it. Each insurance contains several points it covers, and you may not need the largest portion of them. For example, there is silver and gold insurance, and the latter includes services that the former does not provide, such as saving your car if it gets stuck in a rough road, insurance coverage for accidents within neighboring countries, and compensation for you in the event of losing some valuable personal property. For example, if you never go out in your car to the off-road, you do not need to travel at all to neighboring countries with your car and do not usually transfer any valuable possessions in your car. So why pay a higher amount to get the golden insurance that provides you with services that you will never need ?!
3- Avoid some extra services:
When you purchase insurance for your car, most companies offer additional services such as providing an alternative car while your insured car is repaired after an accident, or paying compensation to the driver and passengers affected by the accident. There is no doubt that the above has great benefits, but if we recommend paying higher insurance to cover injury to the driver and passengers, this does not apply to the provision of an alternative car.
4- Higher value, more expensive insurance:
Words that insurance companies play to lure customers to pay more; Is the total car value. As it offers to evaluate your car at a higher amount in the event of an accident that resulted in the cancellation of the car completely (meaning that it is no longer workable or permanently repaired), in return for paying more fees. What helps insurance companies the most in convincing customers of this is greed, so there is no doubt that you will be happy, for example, if you get an amount of 23 thousand dollars as the total value of your car instead of 20 thousand dollars, in the event that your car is canceled for an amount that may not exceed 40 dollars. In other words, this relatively small amount will return you $ 3,000 later on … What a deal, what a fool! The cancellation of the car does not result except from a very serious accident that may not go out alive to take the additional amount, or from natural disasters such as floods or accidents such as fire, all of which are very rare and very rare matters. And remember that greed is harmful to what we do, your car may not have a price of $ 20,000.
5- Deductible amount:
In the event that you are the cause of an accident, you must pay what is known as a “liability sum”, as part of the cost of the repair. This amount is usually determined based on the value of your original vehicle. However, many insurance companies are working on offers to raise the price of the original insurance in exchange for reducing the amount of the deductible. A hypothetical example of this would increase the value of the original insurance on a car from 500 to 600 dollars in exchange for reducing the deductible from 150 to 100 dollars. That is, after only two accidents, you will be compensated for the additional amount of the insurance, and with the third accident, the matter will return to you … is not it? This is true, but only if you are a stubborn driver!
6- Are you a careless driver?
If you are, then you really need a bank to pay for your car insurance. From the previous paragraph, you can get cheaper insurance in the event of raising the deductible amount, and there is no doubt that this is the most appropriate option if you are a careful enough driver. As for any reckless driver who causes several accidents within a year, two years or more, his record will become black at companies that will increase his annual insurance amount, in addition to some companies offering a special discount for every driver with a clean record. More caution behind the wheel and attention means more savings and safety too.