Determine how much a car insurance varies depending on the age of the same, as their commercial value (in case of maintenance and availability of spare parts costs) significantly affects the coverage of the policy. It was also calculated according to the service rendered by the vehicle (if private or public service). These are the variables that influence the costs:
The market value of your vehicle. The value which will be assured your vehicle will correspond to the market value of the same, as in case of accident or loss shall be equivalent to the value you get from selling the vehicle at the acquisition date of the policy.
Vehicle information. You will always be requested references physical carriage (year, model line, marks, etc.). It is important to inform the insurer about the original accessories (comes with) the vehicle, but especially those (alarm system, upholstery, sound, mirrors, wheels, paint, etc.) that you have installed.
Information of the insured. Here personal information (economic activity, age, sex, marital status, number and age of children, place of residence, workplace, even the history of their license on the type and number of traffic offenses, the date of his accident Over the past three years, number of previous claims, date of issue of driving license and even indicators theft of your car) .Please mind that insurance companies will always check that the information provided is correct, what also it influences so that the value of the policy varies or that company to refrain from approving a contract.
Features of its former insurance. Insurance companies may offer discounts or additional coverage. You can negotiate the price with a new insurer or current, taking as reference the policy information you have at that time.
Define deductible. Remember that the deductible is the percentage of the total insured which you will be responsible in case of accident.
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