Tips on choosing the best car insurance

Information about the best car insurance and how to deal with accidents is of course very important for anyone who is looking for a product to protect four-wheeled vehicles. Of course, to get this information, you need to choose the best type of insurance that suits your needs.

As is known, car insurance is divided into two areas, namely all risk car insurance and total loss insurance. All-risk car insurance accepts minor and major damage repairs, while TLO only accepts car damage repairs of at least 75%.

All-risk car insurance is most suitable for new vehicles, while TLO insurance is most suitable for used vehicles. So make sure you know the condition of your car before choosing a car insurance product.

Tips for choosing the best car insurance

After knowing the types of insurance, you can get information on how to buy this protection product. This is done in the same way as when choosing the best car for 150 million.

Considerations for Choosing the Best Vehicle Insurance Products

As a prospective four-wheeled vehicle insurance customer, there are several important things that need attention. One is the type of protection required depending on the risks involved.

No less important and fundamental is the financial ability to obtain this insurance coverage. Indeed, the responsibility to pay the premium is an obligation to apply for auto protection products.

In addition, car insurance customers must also consider what type of car insurance will meet their protection needs.

As explained above, many customers choose two types of car insurance, namely all risk car insurance or what is known as multi risk car insurance, which offers general and comprehensive protection against almost all risks of loss or damage that may occur to a car.

The next type is Total Loss Only (TLO) insurance, which only covers major damage or total loss of the insured vehicle.

Both insurance products have advantages and disadvantages. All risk auto insurance offers the advantage of full risk protection; Small or large damage is covered by insurance. The downside is that the insurance premium is high or expensive.

Whereas TLO insurance only provides protection or compensation if the car is seriously damaged and the total damage exceeds 75% or the car becomes unusable.

On the other hand, TLO insurance has cheaper premiums, so it can still be used as an alternative protection against risks related to assets such as cars.

Tips for choosing the best car insurance

Auto insurance is insurance that provides protection in the form of compensation for damage and/or loss of a vehicle, such as a car. This insurance also provides protection if the car you are driving is stolen by bad people.

For those of you who are trying to choose the best car insurance, here are some tips on how to choose it:

 

Registered at OJK

The most important thing when choosing insurance, including car insurance, is that the company must have a good reputation. One of the characteristics is that the company is registered with the Financial Services Board (OJK).

Buying insurance from a company that is not registered with the OJK means that the company is unclear and illegal.

 

It has a large partner laboratory

As a potential customer, you should choose an insurance company that works with many partner repair shops. The more the better, moreover the company also works with a repair shop that is not far from us.

The car repair process becomes faster because you don't have to carry the car all the way. Unless the insurance company indicates free towing services in the insurance policy.

It's not enough to stop, but make sure the workshop where the company works is an authorized one. Can provide warranty and original parts repair if it breaks again after repair.

 

Provide affordable insurance premiums

Never be tempted by insurance premiums that are too cheap, because there are already separate regulations for car insurance premiums.

This can be seen from the provisions of circular letter no. 6/SEOJK.05/2017, which pays attention to various aspects of the allocation, namely the type of coverage