To choose a car insurance becomes in a heavy task due to the enormous amount of companies that offer these services and, still more, if it is the first time that is going to contract an automobile insurance. It is important to know the types insurances, as well as the special clauses of each one of the policies, since following these the difference of prices can oscillate in major or less measuring. Next we offer a series to him of recommendations to follow so that it can choose the car insurance that better adapts to its situation: Three models of insurances exist: to all risk, that as a rule covers all the possible damages with the vehicle; to all risk with tax exemption, that covers the damages from a price previously decided with the company, of such form that if they are small damages the expenses would correran from the insured. Finally the insurance to third parties exists; this modality does not cover the damages with its vehicle (except some elements) but the one of the implied third parties. Antiquity of the vehicle: it is important to know that this factor is determinant at the time of fixing a price for its insurance. If its car has more than 8 years he is recommendable to assure it to third parties. Age of the insured: almost all the insuring companies penalize in the price the policies for minors of 25 years, as well as the time of possession of the driving licence. Use of the vehicle: the insurers consider the type of use that occurs to the car (weekly, only for vacations) or if it has garage.
If it uses much his vehicle he is recommendable to contract an insurance all risk. Additional services: many insurance agencies offer other interesting additional services like legal consultant’s office, resource of fines, etc. Advantage: it is important to know if the insurer discounts to the insured with a reduction in the price of renovation of the insurance if it has not had to report any. Analyzing these factors in different companies it will be able to obtain a valuable data that will serve to him to choose between one or the other insurer