7 Best Car Insurance 2019 and Tips on Choosing It
OnlyTheBestChoice – How important is it to have car insurance?
You may have driven your car carefully, worn a safety belt, and obeyed applicable traffic signs. Unfortunately, the same is not necessarily done by other motorists.
It’s not impossible, other people’s negligence threatens the vehicle, even your safety. Not only accidents, criminal acts such as theft can also happen to anyone.
Fortunately, there are car insurance that can minimize the financial losses experienced in the event of such an unexpected situation. That way, the losses incurred are not as big as the actual losses.
But, having car insurance means having to pay a premium. What are the benefits? The answer, of course, is comparable. Origin.. can choose the right insurance.
Having car insurance is one way to keep your finances healthy. The benefits obtained can be greater than the premium paid.
When there is a risk, the insurance company will bear the losses that we experience, so that the financial burden that we feel becomes much lighter.
As you know, a car is an asset that costs not a little in its purchase or maintenance. Therefore, it is natural to plan the budget well to keep the value of the asset is not reduced, one of which is by having car insurance.
After realizing the importance of having car insurance, first understand the type of car insurance that exists so as not to be confused when choosing.
Generally, insurance companies provide two types of car insurance, namely all risk and total loss only (TLO) car insurance. Understand the differences between the two through the following explanation.
Differences in all risk and total loss only (TLO) car insurance
- All risk car insurance
As the name suggests, all risk car insurance provides protection for all possible risk of loss. Regardless of the percentage of damage large or small.
Usually, this insurance also provides an extension of the guarantee covering damage caused by floods, riot cases, and other protections.
In some insurance companies, all-risk car insurance is often referred to as comprehensive insurance or combined insurance.
- Car insurance total loss only (TLO)
TLO car insurance coverage only covers losses that are worth more than 75 percent of the price of the car or lost due to crimes, such as theft.
In the event of minor damage with a loss below 75 percent of the value of the car, the loss will not be covered by the insurance company.
This 75 percent benchmark is used as an assumption that the damage done to the car has rendered the car unusable.
For example, if a car is broken into and stolen while parked, TLO car insurance will cover any financial losses incurred. However, if the car is only scratched so that the resulting loss is ensured to be below 75 percent of the price of the car, the insurance company will not provide compensation.
With a comprehensive guarantee, the cost of all risk car insurance premiums is higher than TLO car insurance. That way, if you want complete protection, choose all risk car insurance. But if you want to save money and feel careful enough to drive, TLO car insurance is enough for you.
In addition to the two types of car insurance, in vehicle insurance is also known as third party liability (TPL), which is insurance that guarantees protection from third-party lawsuits. Third parties are anyone involved in an accident with your car.
For example, the car you were driving was involved in an accident with another car containing three people, and all three were injured. Then the medical costs of the three passengers will be covered by the insurance company.
Or if the passenger is fine, but the car is damaged, the cost of repairing the car can be covered by your insurance.
If you already know the type of car insurance that suits your needs, here are seven of the best car insurance options in 2019 to choose from.
7 best car insurance recommendations
- Sinarmas Car Insurance
Sinarmas car insurance offers three types of protection, namely combined and TPL, TLO and TPL, as well as only TPL.
Sinarmas Insurance jointly guarantees losses caused by accidents, criminal acts, fires, lightning strikes, accidents during crossings with official crossing equipment under the supervision of the Director General of Land Transportation, as well as losses due to guarding, transportation, or withdrawal to the workshop or other places.
Sinarmas TPL Insurance provides guarantees including claims for compensation from third parties, in the form of medical expenses, bodily injury, medical expenses, and death.
Meanwhile, in Sinarmas TLO car insurance, the guaranteed risk is the cost of repair or replacement if the damage incurred is equal to or more than the price of the insured car.
You can also apply for an extension of the guarantee, covering disaster damage such as earthquakes and tsunamis, personal accident insurance for drivers and passengers, as well as additional costs in the form of ambulance costs and transportation costs when the car is repaired.
One of the advantages of Sinarmas car insurance is that you can make purchases online through the Sinarmas website, as well as make a claim directly to the workshop that has cooperated with Sinarmas.
- Automate ACA car insurance
Otomate Aca Insurance offers car insurance in the form of packages equipped with various interesting facilities, such as tow cars to replacement cars.
Customers are also entitled to a new car, if the car has a total loss. The condition is that the car is only six months old from the date of purchase.
If an unpleasant event, such as a car breaking down on the road, customers can take advantage of roadside assistance facilities to enlist the help of ACA vehicle technicians directly at the scene.
When you want to make a claim, customers do not need to go to the ACA branch office. Because, there is a mobile claim facility, which is a service to survey claims directly at the customer’s place by ACA officers.
To purchase ACA Otomate car insurance, you can fill out the Buy form on the ACA website. Next, just wait to be contacted by the ACA’s insurance officer.
- Garda Oto car insurance
Regarding the ease of use of the service, Garda Oto car insurance may be one step ahead of other insurance. Because, almost all car insurance services can be accessed digitally.
Garda Oto has Garda Mobile Otocare application that allows customers to monitor the condition of the vehicle, while making the process of claims and requests for emergency services more practical.
Purchases up to the insurance policy payment process can be made online as well by filling in your personal data on garda oto website.
The purchase of Garda Oto car insurance policy until the end of January 2019 has the opportunity to get a variety of lucrative bonuses, such as 100 liters fuel voucher, expansion of driver self-accident with a limit of 10 million, as well as a variety of interesting merchandise.
- Allianz MobilKu Car Insurance
Allianz MobilKu Insurance offers three car insurance packages, namely Allianz MobilKu Grand with the most complete guarantee, Allianz MobilKu ECO with economical guarantee as needed, and Allianz MobilKu Non Package with protection options that can be adjusted to your liking.
The advantage of Allianz MobilKu vehicle insurance is that the claim process is quite easy because it can be done through the official website or SMS service.
Customers can also get additional protection in the form of a 24-hour guarantee from personal accidents with a sum insured of Rp 100 million that applies worldwide.
- Autocillin Auto Insurance
Autocillin is a car insurance service from Adira Insurance that provides two types of protection, namely comprehensive and TLO. One of the advantages of Autocillin is that it has a number of features that can make it easier for customers to access insurance services.
The feature is Autocillin Mobile Claim Application, which is a claim feature that can be done through a smartphone application; Autocillin Mobile Service, which is a feature of insurance services located in public places; and Same Day Repair, a car repair service that can be completed on the same day.
- Axa Auto Insurance
Axa Auto Insurance offers four types of protection, namely basic TLO, comprehensive, smart drive TLO, and smart drive comprehensive.
In smart drive protection, both TLO and comprehensive, there is an expansion of benefits including guarantees for strikes, riots, riots, terrorism, sabotage, floods and hurricanes, earthquakes and tsunamis, and third party legal responsibilities.
Interestingly, do not break down due to flooding, with Axa Auto Insurance car insurance, losing car keys can even get compensation.
The purchase of Axa Auto Insurance car insurance policy can be done online at its official website.
- Jasaraharja Putera Car Insurance (JP-Astor)
Jasaraharja Putera Insurance has been established since 1993 in Jakarta and provides insurance services to the public for more than 20 years.
One of Jasaraharja’s insurance services is JP-Astor, an insurance engaged in vehicle protection. JP-Astor has two coverage products, namely TLO and all risk.
Compared to other insurance products, JP-Astor is famous for its more affordable premium prices.
Tips for buying a car insurance policy
Of the features that various insurance companies have above, the majority of insurance companies already go digital. So, there is no longer a complicated story of the claim process until the hassle of going back and forth to see the insurance officer.
Even so, choosing car insurance also has tips and tricks so that the benefits obtained can be optimal.
Before purchasing an insurance policy, first look at the five tips below.
- Know the condition of the car and the location of use
To choose a car insurance that suits your needs, you need to understand the condition of the car first. New cars and old cars or cars that have been used for a long time are certainly different needs. That way, the insurance services that need to be chosen can be different.
If the price of the car is relatively high, so it costs a lot of money for minor damage, you should choose all risk insurance. All risk insurance is also suitable for rental cars that are prone to minor damage, such as scratches.
Location factors also have an effect in determining the type of insurance. For example, if the streets you walk through everyday are quite quiet, but your neighborhood is famous for its high crime rate, then choosing TLO insurance can be more effective.
- Choose insurance with premiums that suit your needs and abilities
You certainly do not want if suddenly have to pay premiums, so can not get maximum insurance benefits. Therefore, calculate how much money you can allocate to pay the premium.
As a shadow, the average price of car insurance premiums ranges from 0.8 to 1 percent of the price of a car for TLO car insurance, and 2 to 3 percent of the price of a car for all-risk car insurance.
Compare the amount of premiums and facilities provided by each insurance company. To do so, you can take advantage of the comparison feature on the GoBear website.
- Check the credibility of the insurance company
The reputation of insurance companies can be seen from the ratio of customer complaints, the quality of the company’s partner workshops, as well as claims procedures that do not complicate customers.
To get the information, do not hesitate to search from various sources, ranging from the Internet to ask directly to car insurance customers you know.
One of the most important things, choose an insurance company that has been registered and supervised by the Financial Services Authority (OJK).
- Pay attention to the features of the services offered
Each type of car insurance definitely provides different advantages. Therefore, make sure you are aware of what features of the service are provided. Not only the main services, but also additional services, such as tow car facilities, procurement of replacement cars, ambulance cars, hotline service, and so on.
Although it looks interesting, there is no need to increase the extension of the guarantee if you feel you don’t really need it. You certainly don’t want to pay more premiums for benefits you don’t use, do you?
- Pay attention to partner workshop services
Partner workshop is one of the important aspects in choosing car insurance. If something happens to the car, it is the partner’s workshop that is the main goal to make repairs.
In addition to ensuring the partner workshop has a good reputation, you should also make sure the insurance company has a partner workshop that is close to your domicile.
Having car insurance is one way of financial protection from the risk of losses that we can not predict. Choose a car insurance that suits your needs and ability to get optimal car insurance benefits. [*]