All those who we are drivers we have had ever faced the dilemma of choosing good insurance for car, but in the end always is a mess, you don’t know that factors are determinants and factors are not in the majority of cases. Then appears a report where a little clarifies these issues and some are clarified doubts that we face on this insurance issue all risk. We usually consider them some of the options at the beginning of the purchase of a car, especially if it is new and service some years in force. But we should know that if the vehicle in question reaches a certain age, usually about five years, it starts to not make sense, the all-risk insurance, for example, if we had an accident and the car repair exceeds 75% of the value of the car, insurance companies generally pay us the amount of the value of the vehicle at that time and no repair. Taking into account that the same value also declined much during that period of time, with what not worth paying high bills by this type of insurance, bearing in mind that we should not lose a good level of protection.
For this we have franchises or policies of third parties, theft, fire, moons, ultimately adapt the level of coverage of the same, something that we do not usually do and we only remember when receipt thunders. Parts of accident the eternal discussion and eternal fear. Give a part of claims will increase the price when it comes to renew insurance? So here we must say that she involves many factors, the number of declared parts, the seriousness of the incident, the circumstances. The University of Chicago addresses the importance of the matter here. A party may not aggravate to recalculate the policy and even not to influence and have an annual reduction, some insurance companies allow up to three parties a year unless they involve premium penalty, although here I prefer to say that a responsible and safe driving is preferable to being better to have the insurance to have it, but don’t spend it.