5 coverages must have a new auto insurance


Undoubtedly, for any driver will be more entertaining decide which car insurance purchase you consider what is best for your new vehicle. However, one thing is linked to the other, it is that if the user does not succeed in hiring your car insurance, you can lose a lot of money if they suffer a loss.

Beyond the particularities of each, ranging from the economic capacity of each driver to the type of vehicle you purchased, there are some coverages that we consider essential for any new car and that we will detail.

1. Travel assistance

Travel assistance is coverage that incorporate the vast majority of car insurance with Third Party Basic Compulsory Liability (the only coverage forced recruitment under the Act).

If it is included in the Basic Third of most insurers it is because the fact cater to your customer when a malfunction, or any other circumstances, prevents the car can continue to run, is in the nature of any car insurance. However, this support service will be more or less completely depending on each company.

Keep in mind that Travel Assistance serves on the one hand to the vehicle and on the other, the person. In the case of the person it will deal, for example, to provide an alternative means of transportation for the customer to reach their destination after an accident / breakdown. However, some companies will provide this service from kilometer 0 (from the same address stated in the policy), but others will from kilometer 15 and other from 25. Similarly, it can happen that the travel assistance is provided from kilometer 0 in case of an accident but from the tenth kilometer in case of failure.

In the case of the vehicle, although virtually all insurance companies provide for assistance from kilometer 0, this service may be limited to tow the car and not cover common issues that would prevent the transfer of the vehicle as lack of fuel, puncture a tire, lost keys or the battery. With regard to the latter point, it may be the case that an insurance includes travel assistance from kilometer 0.5, so that would not be covered if, for example, you leave the lights on at night and when you go to start the vehicle in the morning, no battery.

Finally, in case of a breakdown or accident suffering required to leave the car in the shop for several days, it is useful to know whether the travel assistance coverage includes the replacement vehicle. Being a very expensive service for companies, almost no it includes it in its basic policy, although it is possible for a small extra cost to hire.

2. Coverage Theft

Your car is new, and therefore can be quite greedy for "burglars". Of course, the better (and more expensive) has been the car, the more likely it is that you suffer a possible theft. And we do not talk alone with the car, that too, but they can open it and take some of its accessories, such as radio equipment; or you steal the wheels; or even that you're covered against a possible theft or attempted theft, which has caused damage to the bodywork or upholstery.

The truth is that it is more common theft of a new than the old one vehicle, so include this coverage in the insurance of your new car will be a smart move, especially considering that there is a significant increase in the price end of the policy.

From there, when making comparative insurance pays special attention to the services offered by this coverage. For example, almost all companies will cover vehicle damage by theft or attempted theft. However, in the case of total loss (theft of the vehicle), and although most insurers offer value again during the first two years, it is possible that some compensation with the market value (lower) from the outset or the second year. Also, an important aspect to check is whether the service includes coverage of non-standard accessories, because often these must be detailed in the policy and coverage will increase the price of it.

3. Coverage Fire

In this case, unlike theft, being a new car does not incur an increased risk of loss. However, recruitment is as convenient as to recover the money if they suffer the loss is much more important than the slight price increase involved include coverage in the policy.

This means that, in most cases, being a new vehicle, the insurer will indemnify worth again in case of partial or total damage. Not having this coverage contracted, if you have the misfortune of your car is affected by a fire without a third party to take the blame, your insurer is not liable and must bear the costs of repair for yourself.

Again, you should keep in mind that even if you hired coverage, many companies will not cover the accessories are not standard which have not been specifically declared when the insurance.

4. Coverage Lunas

Next to theft and fire, Lunas is coverage that complements the RC and Travel Assistance in Expanded Third Party insurance. Again, its value / price makes it one of the essential coverages for a new vehicle, since their cost is very low and, instead, allow the insurer pays compensation for damage caused to the windshield, side windows and rear window .

Also, this coverage includes labor workshop and in almost all cases, damage sunroof if it is a standard feature of the car.

5. Own Damage

You know own damage coverage stands for comprehensive insurance, which in turn is usually antonym of cheap car insurance. Based on this premise, in the case of a new car, the cheap can be expensive.

Indeed, unlike in the case of Lunas, Fire and Theft, including own damage in the policy itself it is a significant increase in the price of it. Also, keep in mind that this coverage faces vehicle damage not attributable to other coverage, so if you damage your car related to fire, theft or breakage of glass, they would be covered even without having a comprehensive insurance. So why hire Own damage?

Auque you consider yourself a good driver, you can eventually suffer an accident in which you're guilty and only this coverage would face repair costs. Moreover, in case of total loss, being a new vehicle, virtually all insurers will indemnify worth again the first year and many of them also in the second.

On the other hand, if you want to save money on comprehensive insurance, you can include a franchise, which will reduce the price of the policy but will force you to face some of the repair. Of course, if you do, remember that many insurers divide the vehicle into five parts: front, rear, left, right and roof. Make sure your franchise of 150 euros (or 300, or 400) forces you to pay 150 euros in total, not 150 euros per share in the event that the collision may have damaged several sides of your vehicle.

Tips for Getting Better Auto Insurance Quote Online

Tips for Getting Better Auto Insurance Quote Online

Almost everyone has access to the Internet, whether from home, from work or in public places using wireless access points. It never before had I been so easy to connect and get a free, fast and simple way quotes for auto insurance that can save you hundreds of dollars a year. Frequently quotes are simply an estimate of the final cost of your insurance policy. However, you can follow a few tips to get the best quote online for auto insurance that more accurately reflects your final rate.

Tip # 1: have on hand your personal information.

You have to provide relevant details about you and any other driver who regularly drive any vehicle you want to insure. Although you probably have memorized your basic information, such as phone number and address. You'll also need the number of driver's license, social security number and vehicle identification number (vehicle identification number, VIN for its acronym in English).

Tip # 2: collects data on your driving record.

Your driving record is the standard by which the insurer is guided to evaluate your risk when driving. When you request a quote online, an auto insurer; this may include questions about your driving record. If you assume incorrectly that violations continue on your driving record, your quote may be incorrectly inflated compared to your actual rate. To be sure, get a copy of your driving record and have it on hand when you're requesting quotes. Many local state governments, offer the possibility of obtaining a copy of your driving record for a cheap collection.

Tip # 3: how much coverage you really need.

There is no fixed amount that meets the needs of each driver. Your personal finances and budget play an important deciding if you need a minimum coverage of Liability (Liability Coverage) All Risks (Comprehensive Coverage) Collision (Collision Coverage) and a plan of financial responsibility that will offer the maximum paper protection. If you see yourself involved in a car accident, which caused catastrophic damage, injury or loss of life; you can be financially and legally responsible for all expenses not covered by your policy. Talk to your financial advisor or your insurance agent if you have questions about your coverage needs.

If you are looking for a new auto insurance, contact your local insurance agency to get a quick quote on the type of coverage you can afford. You can also get an affordable auto insurance quote by calling 1-800-INFINITY.

Items available in the Knowledge Centre have the sole purpose of information and do not provide legal advice. You should contact an attorney for legal advice with respect to any legal problem involved. Use of this site or any of the links on the website does not create representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information , products, services, or related graphics contained on the website for any purpose. Any reliability to this information, will therefore strictly at your own risk.

Collision Auto Insurance Coverage and Basic Concept


Know the basics about your Collision Auto Insurance Coverage 

The first step to being a good driver is to understand your auto insurance

It is dangerous to handle without understanding the type of coverage you have. Familiarize yourself with the type of coverage you have on your auto insurance; this will help you make better decisions while driving. To learn more about your coverage follow these steps:

Know the basics about your Collision Auto Insurance Coverage 

One: you Learn about the different types of coverage

The simple idea to review your auto insurance policy can be overwhelming, but better understand your insurance once you know the different types of coverage. At a minimum, your policy should include coverage Liability (Liability) and property damage (Property Damage). Other coverage options that you can add to your insurance are:

Protection against uninsured motorists (Uninsured Motorist). This option protects you from other motorists who drive uninsured, uninsured even if someone manages your car.
medical expenses and personal injury (Med Pay). After an accident, medical expenses add up quickly. If you are guilty of an accident, you will be responsible for paying the medical expenses of all persons involved. Having this type of coverage will help you save money and avoid unnecessary inconveniences.

Roadside Assistance (Roadside Assistance). It is frightening to stand still on the road without knowing what to do. Having the roadside assistance package that your insurance offers you, gives you the necessary peace of mind that you never run standing in the way unassisted.

Coverage Collision and All Risks (Collision and Comprehensive). These types of coverage not only cover you in case of a car accident, but if your car is stolen or if you have any damage that is not related to an accident.


Two: Check your Policy

Many people assume that they have full coverage without knowing that options have on your policy. Full coverage can mean many things, which may vary from company to company. So the best way to know that your coverage includes read your policy. This way you will know what kind of protection accounts. There are many types of coverage and scoring clauses do not understand your policy.

Three: Ask your insurance agent

Call your insurance agent if you have questions about your car insurance policy. Your agent is the best person for any questions, no one else better understand your policy. So talk to your agent about your questions and concerns.

The best way to lead is to have no worries. Set a goal today and double check your insurance policy.