The economic crisis of recent years has forced insurance companies have to include in their product catalogs some thought to afford to pay the premium car insurance excess options does not affect the pockets of their customers.
When the family economy is not at its best everything that allows us to save even a little, it is more than welcome. In the case of car insurance is no exception: in times of crisis have been born modalities designed to make the premium payment is not so painful, from the ability to spread the annual premium, to discounts intended to hire insurance packages or bring friends to the insurance company are various options currently available on the market to help save a little on car insurance.
For example, there are companies that award discounts good driving habits, offer discounts of up to 40% on the annual premium, depending on driving style (average speed, acceleration / sudden speed reduction, etc.) the number of kilometers a year and make driving conditions (if you usually go by road or city, day or night, etc.). But how these variables are determined? The insurer installed in the car an electronic device that registers these data and calculates them based on the price of the premium payable.
Another possibility is to hire a car insurance depending on the number of kilometers we travel a year. It is intended primarily for drivers who do not use the car often. This insurance works by buying a pack of kilometers: 1,000, 2,000 and 3,000 kilometers per year, based on which the annual premium payable is calculated. Of course, if you run short in the calculation (done at the time of contracting the policy) you can add additional packs of 500, 1,000 or 1,500 kilometers, and thus complement what you need.
A similar option to the above, which allows you to purchase insurance on the basis of kilometers you think you’re going to go with the car, something similar to what happens when a packet mobile prepaid contracts: use the kilometers and you can go recharging for more available, with the advantage that if you hire more kilometers of finally you use, accumulate for next year, which does not lose money.
Also, some insurers launch specific promotions that award discounts to those who hire “insurance packages” that also include car insurance, others as home insurance, motorcycle or health.
With all this, it is obvious that before choosing car insurance is best for us must compare the various options offered by the market. If we have a budget and do not use too the car some policies that calculate the premium based on distance or days of use of the vehicle can be interesting. In addition, split the payment or be aware of those promotions that can help us save are good options to lighten the load posed by these insurance on the family budget.
When the family economy is not at its best everything that allows us to save even a little, it is more than welcome. In the case of car insurance is no exception: in times of crisis have been born modalities designed to make the premium payment is not so painful, from the ability to spread the annual premium, to discounts intended to hire insurance packages or bring friends to the insurance company are various options currently available on the market to help save a little on car insurance.
For example, there are companies that award discounts good driving habits, offer discounts of up to 40% on the annual premium, depending on driving style (average speed, acceleration / sudden speed reduction, etc.) the number of kilometers a year and make driving conditions (if you usually go by road or city, day or night, etc.). But how these variables are determined? The insurer installed in the car an electronic device that registers these data and calculates them based on the price of the premium payable.
Another possibility is to hire a car insurance depending on the number of kilometers we travel a year. It is intended primarily for drivers who do not use the car often. This insurance works by buying a pack of kilometers: 1,000, 2,000 and 3,000 kilometers per year, based on which the annual premium payable is calculated. Of course, if you run short in the calculation (done at the time of contracting the policy) you can add additional packs of 500, 1,000 or 1,500 kilometers, and thus complement what you need.
A similar option to the above, which allows you to purchase insurance on the basis of kilometers you think you’re going to go with the car, something similar to what happens when a packet mobile prepaid contracts: use the kilometers and you can go recharging for more available, with the advantage that if you hire more kilometers of finally you use, accumulate for next year, which does not lose money.
Also, some insurers launch specific promotions that award discounts to those who hire “insurance packages” that also include car insurance, others as home insurance, motorcycle or health.
With all this, it is obvious that before choosing car insurance is best for us must compare the various options offered by the market. If we have a budget and do not use too the car some policies that calculate the premium based on distance or days of use of the vehicle can be interesting. In addition, split the payment or be aware of those promotions that can help us save are good options to lighten the load posed by these insurance on the family budget.
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