Car insurance

Car insurance

 

 

 

Affordable and easy for car insurance
Auto - quite a complicated subject, even for an experienced driver. In order to understand all its nuances must be well versed in a variety of regulations, to remember the special terms and study the rules of the different insurance companies. As a rule, the time and effort to become acquainted with all the details of car insurance is not enough. But we strongly recommend to follow the path of least resistance and to buy the cheapest policy.
We are talking about your safety!

Firstly, the insurer has to be known, have a sufficient amount of share capital and to be financially sustainable. This information can be gleaned from published ratings of insurance companies. An important point that you should pay attention to the study of ratings, - the level of payments, ie, the ratio of insurance payments to insurance premiums collected

.On average, this value may range from 30 to 80%. If the vending company the level of payments is very different in the smaller side of the other participants - a sign that the insurer makes a very small payments. Conversely, if they exceed the average for the companies, it indicates a higher risk for the insurer. The coverage of more than 100% - the certificate incorrectly calculated by tariffs and its loss ratio in motor insurance.

Second, we must pay attention to the insurer's branch network: an accident can happen anywhere, and you should be able to get help from an insurance company in any region. Therefore, if you are making long trips, it is better to be insured in the company of the federal level, and if travel is limited to the territory - can be insured and regional companies, the advantage of which is a flexible tariff policy and the speed of decision-making.