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| Image credits: Brock Wegner |
Tricks To Hire Car Insurance
Whether it's because you've bought a new vehicle or because you're tired of your insurer, you may be comparing different car insurances. Although many people do not consider it so, taking out insurance is a decision that should not be taken lightly. In fact, it is very possible that, if you do, you will end up regretting it soon after.
There are many elements that you must keep in mind before opting for one or another insurer. However, for this, it is necessary that you first take your time and calmly compare the coverage, benefits, and prices, without forgetting the vehicle model you have and your experience as a driver.
What you should keep in mind when hiring a car insurance
It may surprise you, but no insurer has a fixed price to work with when offering insurance. The final price involves numerous factors that increase or decrease the quota. To these factors, we must add the negotiating skills of the contractor, who must be skilled when dealing with insurers.
Despite these vicissitudes, there are a number of tips that, regardless of the driver or vehicle, you should have at hand.
1. What are you looking for?
First, keep in mind that insurers will try to add or remove features depending on the price you're looking for. Therefore, our advice is that, first of all, meditate on what you are looking for all risks, third parties, roadside assistance, theft, moons, etc. When you've decided what's best for your vehicle, start your search. If you don't follow this advice, you may end up hiring something you didn't want.
2. Search and compare prices
We are aware that search is not a process that everyone likes. The time invested may seem excessive and, therefore, many people choose to take out the first insurance offered, without stopping to think about whether or not it really is a good offer. Our advice is to use a price comparator like Doctor i.
This type of service allows you to add or remove benefits and compare the prices that the main insurers offer for them. However, do not forget that there is no fixed price with which insurers work.
3. Study the coverages
The increase or decrease in price is usually determined by the coverage available to the insurance. Before signing a contract, stop to really think about each benefit. For example, if you have a private garage, are you really interested in taking out theft insurance? The same situation happens in reverse because in certain cities anti-theft coverage can be especially reassuring.
4. Check the fine print
Together with the coverage, you must be especially careful with the small print of insurance. For example, many insurers have roadside assistance from X kilometers, while others bet on full coverage from kilometer 0. The same can be said for accidents and other coverages that, although at first glance seem covered, depend on each case.
5. Keep dates in mind
Sometimes drivers get carried away by cheap prices and, a year, we find an unpleasant surprise. Many insurers have incredible offers for new customers, but after the initial time, the price of insurance increases. These offers can be very beneficial but don't forget to read how long they are available and what the final price of the service will be. If the final price is good, go ahead.
6. Take care of your vehicle
Even if you have comprehensive insurance or high coverage, you should take care of your vehicle. In many cases, a high price is the result of the driver's negative history. Thus, the more careful you are in your driving and the fewer problems you have, the less you will have to pay for your vehicle insurance.
7. Write down the insurance renewal
When you have decided on one insurer or another, write down the annual renewal date on your phone or physical agenda. It is possible that the following year you do not want to renew with the same insurer or, on the contrary, offer a better opportunity. In this case, you must bear in mind that the law establishes a minimum of 30 days to notify the insurer of the end of the contract. So, write it down and don't forget the date.
8. Right of withdrawal
If you have signed a contract or agreed on a pre-contract with an insurer and, after signing, you decide to change companies, the law grants a period of 14 days to cancel the contract. This consumer right is known as the right of withdrawal and establishes a period by which the consumer can back out and cancel an oral or written agreement.
In this case, you must notify the insurer with which you had contracted a letter in which your decision to break the agreement is clear. However, remember that you must take out insurance with another company, as the law also requires you to always drive with car insurance.