Buying car insurance is how good, is cheap? Xu America is the land of the insurance. Buying a home is to purchase home insurance. Buying a car is a must buy car insurance. "Bill" Insurance is an amount payable as many Americans fed up, and the caller said was "hui died!" Many people pay premiums to buy cars from year after year, without knowing about it. So his pay, the insurance company do for me? So buy your questions or cheap? I should buy insurance how much is appropriate? There are many people when comparing the annual premium amount paid (premium) with others, see how much you're paying less, he concluded immediately. "Although my insurance .. His cheaper!" this comparison is not comparing "apple to apple," so not sure exactly. Set idea had to "play dead hui insurance," his relatives should also add that my understanding of what rights enjoy from the insurance company. to put it most simply, the vehicle owner to charge premiums when his car accident, the insurance company must pay for their care. There are two major problems that most insurance carriers must be held responsible for his accident: cash down medical care for people injured by accident. Cash down to fix the damaged car by accident. A a fundamental principle of insurance, which is the clan who is at fault in the accident, the insured shall be liable faction that pays faction was an accident. This is the reason why after the accident, his people or standing quarrel, to blame the other person at fault! Also from the principle of "who pays", the Vietnamese people have expressed about buying car insurance types quite "figurative," which is a way to buy insurance, a half-way, two-way: - Insurance 1 afternoon, when guilt in the crash, his insurance paid the hospital, and repairs to the enemy. His longer fend for themselves and their vehicles. - Insurance 2 pm: when guilt in the crash, in addition to acute care payments, your insurance still pay a portion of their car repairs again. Here, we have added the concept of "deduction" (deductible). That is the amount you have to spend to fix his car, before the insurance company to pay. Examples of crashing his car, demanding $ 2,000 for repair shops. In the insurance policy deductibles of $ 1,000, then we must pay $ 1,000, while the insurer pays $ 1,000. If repairs under $ 1,000, I will pay off. Buy Insurance 2 pm there is a further advantage, is your insurance company pays repairs in cases of damage or loss is not due to a car accident, for such as theft, fire, flood, ruined ... - insurance and a half one way: when I crash by an uninsured person, or in the case of "hit and run" (crash fled), the insurance will pay the hospital, their car repairs. Please note: to buy insurance, "two-way" without including a "half-way" as many people think. To enjoy this benefit, you have to buy the "two-way" and "a half-way." Already grasp basic concepts mentioned above, we can compare, choose the appropriate type of insurance for you. A further principle is also true in the purchase of insurance "money, of that." I can not "wise" than the insurance company. They are based on probability and statistics to determine the selling price for their insurance. Before you sell insurance, they ask themselves a lot of information, to assess the probability of his car accident tall. For example: age; How long driving experience? his daily drive to work near or far? they have parking in the house? Will his career requires careful, or have knowledge of vehicle safety or not? ... For example a middle-aged person, senior driver, qualified engineers ... the conditions to be able to buy cheaper insurance. When choosing insurance, premiums are usually inexpensive, low benefits and vice versa. For example, if you choose a high deductible, the premiums will be lower. If you select the type of money the insurance company to pay for hospital costs, the high cost of car repairs, then of course premiums will be higher. Put yourself in his assessment of what type of driver, and then decide to buy insurance accordingly. If found himself sliced optical drive, then buy low deductible, subject to charge premiums higher. Conversely, if you are the type who finds himself "driving in mindfulness," while driving just focus on driving, not thinking of uncooked rice cooker at home, do not think of demanding boss at work, then I have the right to buy a low-premium, high deductible to save money. If his family class "who had hair" in society, ie rental housing, assets ... should buy insurance to pay for the hospital a little high. There are many cases where the driver has touched him the injury bug, the insurance money to pay for hospital less than insufficient (eg, $ 15,000 for one person injured); Know the enemy wounded have money, went to court to claim more! One note is that insurance companies often discount when purchasing their insurance contracts with them. Therefore, choose a good insurance company, then buy the kind of car insurance, home insurance, life insurance at the same company, the price will certainly cheaper. An insurer is a company with good customer support services h
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