How to Choose the Right Vehicle Insurance
9 mins read

How to Choose the Right Vehicle Insurance

A vehicle is an asset that has a fairly high value, this is certainly a separate consideration for you to take care of and even protect it as well as possible. One of the steps that can be taken to protect these valuable assets is to buy a vehicle insurance policy.

The function of vehicle insurance itself is for protection that will guarantee you from various risks/losses that can happen to your vehicle at any time. For example, the risk of flooding, natural disasters, riots, and fires. Things like this are certainly unpredictable, so protecting your vehicle (car/motorcycle) with vehicle insurance will have positive benefits for you.

Arguably had the time of vehicle insurance now it’s very important as a form of protection and also in anticipation of a wide range of things that could hurt you financially at any time during a disaster. You certainly don’t want to take a number of risks or lose money on the vehicle you have, right?

Even though you are quite familiar with the use of insurance services , you still have to know how to choose the right vehicle insurance. Here shares important tips for you before buying vehicle insurance so that you can find the best insurance according to your budget.

Confused about finding the best and cheapest car insurance? Cermati has a solution!

1. Adjust to Needs

The first thing you should do is see and know clearly about the condition of your vehicle, this usually includes: engine condition, body, age and various other things that are considered necessary to be considered. By knowing the condition of the vehicle, you can easily choose the type of vehicle insurance that is most appropriate for your vehicle.

There are 2 types of vehicle insurance that you can choose and consider, namely:

Insurance All Risk or Comprehensive
insurance will guarantee virtually all the risks that may occur in your vehicle, such as a major accident and minor accident. But even so, there will always be exceptions in the insurance policy that you should pay attention to and know from the start, so that these things will not cause a number of losses for you in the future.
Insurance T otal Loss Only (TLO)
This insurance will only guarantee the vehicle damage that occurs above 75% only, meaning accidents or minor damage will not be covered by it.

2. Know the Product Advantages in Detail

Each type of vehicle insurance will, of course, provide different benefits and advantages, depending on the type and features of the service you need. Be sure to know the various advantages and also the form of protection that will be provided by the vehicle insurance that you will buy, so that you will not experience losses in the future.

3. Make a Comparison

Knowing one product alone will not be effective in being able to find the best insurance service. Do a comparison of the same product from different insurance companies, so that you know clearly about which insurance service from the company is the most appropriate and you will make your choice. This comparison can be done by visiting the insurance company or by visiting their official website via the internet.

4. Choose the Most Appropriate Product

Don’t make a hasty decision, because it’s important for you to find the best and most appropriate insurance product for your vehicle. Some insurances may look the same, but after searching for various detailed information, you can make choices and find the one that is most appropriate for you.

5. Adjust to Payability

The amount of the premium will certainly affect the benefits and protection that you will get later. You certainly want to use the best insurance services, with the best premiums and also the best protection. But beyond all these desires, it is very important for you to consider the financial capabilities you have.

Do not force yourself to take a number of premiums that are relatively large but are beyond your financial reach. Things like this will only make your finances disrupted and cause a number of problems in expenditure items.

6. Consider Dealer Recommendations

If you are going to buy an insurance product when you are applying for car ownership, then it never hurts to consider the recommendations given by the dealer. Usually the dealer will provide recommendations for insurance companies that they think are quite good and can be trusted.

However, the recommendation from the dealer is not a fixed price that you must follow, you can still search and find for yourself the insurance company that you think is the best and also the most appropriate for your vehicle.

7. Use the Best Insurance Company Services

Find and use the services of the best insurance company. Currently there are many insurance companies that provide vehicle insurance services, meaning that you have comparison material that can be used as a consideration in making choices.

Don’t be in a hurry to make a choice, consider the following points in choosing the best insurance company:

Company Credibility
Make sure you use insurance services from companies that have good credibility and can be trusted. Consider their reputation in the midst of the wider community, where you can see the level of public trust in the insurance company that you will choose later.

Customer Complaint Ratio Take a
good look at the information on their customer complaint ratio, look for this information online by looking at their official website and also researching various online forums about trustworthy insurance. Pay attention to how high the level of resolution of customer complaints they do, the higher the level of resolution, the better for you to choose them.

Company Partner
Workshops Insurance company partner workshops are also worth considering, choose an insurance company that has many reliable partner workshops and will make it easier for you to make repairs to your vehicle if at any time it is damaged or in an accident.

Choose an insurance company that has a reliable partner repair shop and is close to your home or office, so it won’t take you long to get there. Look and consider the track record of the insurance company’s partner repair shops and make sure they have a good ability to repair any damage that occurs to their client’s vehicle.

Company Service Features
Consider choosing an insurance company that has a complete range of supporting features, this will make you feel more comfortable and calm in the event of an accident. Choose an insurance company that has afull 24-hour call center service and is fast in responding to client reports, has ambulance and tow truck facilities if needed at any time, has a replacement car facility when your car is in the repair shop and under repair. All of these features will make you more comfortable and also not experience various difficulties in applying for repairs after an accident on your vehicle.

Claims Procedure
A good insurance company will, of course, handle their customers’ claims as quickly and as quickly as they can. Do not choose an insurance company that is slow and unresponsive to various claims submitted, a company like this will only make you lose and experience a number of problems after an accident and also damage to your car. Find out and see how many claims are received by the insurance company through internet services on the forum or their official website, this can be taken into consideration in choosing the right insurance company. Do not choose an insurance company just because it has a big name, while its performance and service to customers is so bad and slow.

Buy Insurance According to Budget

Vehicle insurance is not expensive, and will do a lot to protect you from future financial losses. Now, there are many insurance companies that can be taken into consideration, meaning that there are also many products to choose from with various expansions offered.

The key is to know what your car needs and do a comparison first of all car insurance products from many companies with just one click, through Remember, you don’t need to force yourself to buy a policy that is beyond your financial reach, choose the right benefits or expansions needed, of course adjust to your budget.