Tips for Choosing Car Insurance That You Should Know

As we know, that car is one of the  assets of  high value. For this reason, if someone owns a car, then the    car must be given the best possible protection   or protection.   To choose a car protection  guarantee  should also not  be done carelessly.

But unfortunately,  there are still many   people who don't know how  to choose the right car insurance, and even some people actually underestimate this  . Well, to help you in choosing the best car insurance, here we will provide tips.  Check it out!

Types of Car Insurance

Before we move on to car insurance  tips   , then make sure first that you understand what are the types of car insurance.   There  are two types of car insurance, including Total Loss Only (TLO) and All Risk.

However, depending on the insurance company, there can also be  types of benefits that you can get.  The amount of car insurance premiums will also  vary depending on the  benefits you receive.  But in general,  car insurance premiums are calculated from the range of  IDR 50 thousand per month.

 Without waiting  any longer,  we better just go straight to  the types of car insurance.   The types of car  insurance in Indonesia include  the following:

1. TLO Car Insurance

This type of  TLO or Total Loss Only car insurance will only provide benefits if there is a loss worth more than  75% of the car price.  So, if the  price of the car is IDR  200 Million, then the claim can  only be made if the  loss has reached IDR 150 Million.

 For  car insurance  premiums, this one is  also quite affordable, but of course you can't  apply for compensation if there is only a beretan.

2. All Risk Car Insurance

 As the name implies,  this insurance will cover the entire risk.  Even if it is only a slight blister, it will still be  handled g. However,  because the protection is quite wide,  the premium will  automatically be much more expensive than TLO,  it  can even reach 3 times that.

Is It Better to Be TLO or All Risk Car Insurance?

If you are told to choose, of  course, it all  depends on the needs of  each person and  their respective capacities. So, make sure that you already know what the  difference between the two products is, in the following:

§   Your needs: Consider whether the city is densely  populated?  If  so then it is  more suitable All Risk.  Is ka lian's car old?  If so, then lwould be suitable TLO because All Risk can only cover up to the age of the car 12 years.

§  Budget: Every year, thepremium must be continuous, so it is also suitable for the budget. If  you don't have much budget, at least you can have TLO first. But if you are qualified, then you can buy All Risk.

Tips For Choosing ASuransi MObil

After knowing the  types of car insurance  in Indonesia, then  you just need to know the tips for choosing car insurance.   Instead of  waiting any longer,   we better go to  some of  the following tips for choosing car insurance:

1. Choosing the Right Type of Insurance

To choose the best car insurance,  the first tip  is  that you must  first know which insurance is suitable for   your  car, whether All Risk or comprehensive and TLO.

The age of the vehicle will also  affect the availability of insurance policy  options.  In general, the  All Risk  insurance limit is the  age of the  car is 10  years,  while for the TLO type it can reach up to 15 years.

But  these rules can vary   from insurer to insurance company. Some offer All Risk  insurance with a maximum  vehicle age of  8  years  and TLO  insurance with a maximum  age of 12 years. 

Actually,  these  two insurances are combined to get maximum protection.  This is called  combination car insurance.

2. Pairing Harga Prummy with its Layanan Feature

The benefits you get are also adjusted to the premium price. So, you don't     just choose a cheap one, but first make sure whether the benefits really meet  your  needs.

You can also add riders or benefits to each insurance policy  if  you really need it.

3.  Choosing an Insurance Company  with  Trusted Credibility

The next tip  for choosing car insurance  is to make sure you choose insurance that has  good credibility. One example of yes can be  the  financial health of the company.

This can be  seen from RBC or Risk Based Capital insurance companies  that have a minimum value of 120 percent so that they can be considered healthy. 

You can also see from   the  company's reviews because customer ratings are  indeed  one of  the easiest  indicators to judge a product.

4. Choosing  Insurance that Has a Workshop with Extensive Associates

The last tip  is that you should choose car insurance that has a  repair shop with a large or  many partners.  With  more workshop  partners, the claim process  will become  easier.   Thus, your car will be faster  to  handle.

And those were some  tips for choosing car insurance that beginners should know.  Hope that helps.