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How important is having car insurance?

You might have driven the car carefully, put on a safety belt , and obeyed the applicable traffic signs. Unfortunately, the same is not necessarily done by other drivers.

It is not impossible, carelessness of others threatens the vehicle, even your safety. Not only accidents, criminal acts such as theft can happen to anyone.

Fortunately, there is car insurance that can minimize the financial losses experienced when the unexpected situation occurs. That way, the loss borne is not as big as the actual loss.

But, having car insurance means having to pay a premium. How about the benefits? The answer, of course, is comparable. Origin ... can choose the right insurance.

Having car insurance is one way to keep your financial condition healthy. The benefits 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 requires not a small amount of money in purchasing or maintenance. Therefore, it is only natural to plan a budget properly to keep the value of the asset from diminishing, one of which is by having car insurance.

After realizing the importance of having car insurance, first understand the type of car insurance that is available 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
1. All risk car insurance
As the name suggests, all risk car insurance provides protection for all possible losses. Regardless of the percentage of large or small damage.

Usually, this insurance also provides an extension of guarantees 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 joint insurance.

2. Total loss only (TLO) car insurance
TLO car insurance protection only covers losses which value more than 75 percent of the price of the car or loss due to crime, such as theft.

If there is minor damage with a loss of under 75 percent of the value of the car, the loss will not be borne by the insurance company.

This 75 percent benchmark is used as the assumption that the damage done to the car has made the car unusable.

For example, if a car is broken into and stolen while parked, TLO car insurance will bear the financial losses incurred. However, if the car is only scratched so that the resulting losses are certainly under 75 percent of the price of the car, the insurance company will not provide compensation.

With a comprehensive guarantee, the cost of car insurance premiums is all risk higher than TLO car insurance. That way, if you want complete protection, choose all risk car insurance. But if you want to save and feel quite careful in driving, TLO car insurance is enough for you.

In addition to these two types of car insurance, in vehicle insurance the term third party liability (TPL) is also known as insurance, which guarantees protection from third party claims. The third party is anyone involved in an accident with your car.

For example, the car you drive is involved in an accident with another car containing three people, and all three are injured. Then the medical expenses of the three passengers will be borne by the insurance company.

Or if the passenger is fine, but the car is damaged, the cost of repairing the car can be borne by your insurance.

If you already know the type of car insurance that fits your needs, here are the seven best 2019 car insurance options to choose from.

7 best car insurance recommendations
1. Sinarmas Car Insurance
Sinarmas car insurance offers three types of protection, namely combined and TPL, TLO and TPL, and only TPL.

Joint Sinarmas insurance guarantees losses caused by accidents, criminal acts, fires, lightning strikes, accidents during crossings with official crossings under the supervision of the Director General of Land Transportation, as well as losses due to guarding, transporting, or withdrawing to workshops or other places.

Asuransi Sinarmas TPL provides guarantees covering compensation claims from third parties, in the form of medical expenses, bodily injuries, medical expenses, and death.

Meanwhile, for Sinarmas TLO car insurance, the guaranteed risk is the cost of repairs or replacements if the damage occurs equal to or more than the price of the insured car.

You can also apply for extended guarantees, including damage from disasters such as earthquakes and tsunamis, personal accident insurance for drivers and passengers, and get additional fees in the form of ambulance fees and transportation costs when the car is repaired.

One of the advantages of Sinarmas car insurance is that you can submit purchases online through the Sinarmas website, and submit claims directly to the workshop that has collaborated with Sinarmas.

2. ACA Otomate car insurance
Aca Otomate Insurance offers car insurance in packages that are equipped with various attractive facilities, such as tow trucks and replacement cars.

Customers are also entitled to get a new car, if the car they own has a total loss. The condition is that the car is only six months old from the date of purchase.

If you experience unpleasant events, such as a strike car on the road, customers can use the roadside assistance facility to request the assistance of an ACA vehicle technician directly at the scene.

When you want to make a claim, the customer does not need to go to the ACA branch office. Because, there is a mobile claim facility , which is a claim survey service directly at the customer's premises by ACA officers.

To purchase ACA Otomate car insurance, you can fill out the Buy form on the ACA website. Then, just waiting to be contacted by ACA insurance officers.

3. Garda Oto car insurance
Regarding the ease of use of services, Garda Oto's car insurance may be one step ahead of other insurance. Because, almost all car insurance services can be accessed digitally.

Garda Oto has the 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 done online also by filling in the personal data on the Garda Oto site.

The purchase of the Garda Oto car insurance policy until the end of January 2019 has the opportunity to get a variety of tantalizing bonuses, such as 100-liter BBM vouchers, expansion of the driver's accident by a limit of 10 million, and a variety of attractive merchandise .

4. 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 an economical guarantee as needed, and Allianz MobilKu Non Package with protection options that can be customized.

The advantage of Allianz MobilKu vehicle insurance is that the claim process is quite easy because it can be done through official website and SMS service.

Customers can also get additional protection in the form of a 24-hour guarantee from a personal accident with a sum of IDR 100 million that applies throughout the world.

5. 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.

This feature is in the form of Autocillin Mobile Claim Application, a feature claim that can be made through a smartphone application; Autocillin Mobile Service, which features insurance services located in public places; and Same Day Repair, a car repair service that can be completed on the same day.

6. Axa Auto Insurance
Axa Auto Insurance offers four types of protection, namely basic TLO, comprehensive , smart drive TLO, and comprehensive smart drives .

In the protection of smart drives , both TLO and comprehensive , there are expanded benefits including guarantees for strikes, riots, riots, terrorism, sabotage, floods and hurricanes, earthquakes and tsunamis, and third party legal responsibilities.

Interestingly, let alone strike because of flooding, with Axa Auto Insurance car insurance, even losing a car key can get compensation.

The purchase of Axa Auto Insurance car insurance policies can be done online on the official website.

7. Jasaraharja Putera (JP-Astor) car insurance
Jasaraharja Putera Insurance has been established since 1993 in Jakarta and has provided insurance services to the public for more than 20 years.

One of the Jasaraharja insurance services is JP-Astor, an insurance company engaged in vehicle protection. JP-Astor has two insurance products, namely TLO and all risk .

Compared to other insurance products, JP-Astor is well-known with premium prices that are more affordable.

Tips for buying a car insurance policy
From a number of features owned by various insurance companies above, the majority of insurance companies have gone digital . So, there is no longer a story about the complexity of the claim process until the hassle of going back and forth to meet the insurance officer.

Even so, choosing car insurance also has tips and tricks so that the benefits obtained can be optimal.

Before buying an insurance policy, pay attention to the five tips below.

1. Get to know the condition of the car and the location of use
To choose car insurance that suits your needs, you must understand the condition of the car first. New cars and old cars or cars that have long been used are of course different. That way, insurance services that need to be chosen can be different.

If the price of the car is high, so it requires a huge amount of money for minor damage, you should choose all risk insurance. All risk insurance is also suitable for rental cars that are vulnerable to minor damage, such as scratches.

Location factors also influence in determining the type of insurance. For example, if the streets that are passed daily are quite deserted, but your neighborhood is famous for high crime rates, choosing TLO insurance can be more effective.

2. Choose insurance with premiums that match your needs and abilities
You certainly don't want to suddenly have to pay a premium in arrears, so you can't get maximum insurance benefits. Therefore, calculate how much funds you can allocate to pay premiums.

As a shadow, the average price of car insurance premiums starts from 0.8 to 1 percent of car prices for TLO car insurance, and 2 to 3 percent of car prices for all risk car insurance.

Compare the amount of premiums and facilities provided by each insurance company. For that, you can take advantage of the comparison features on the GoBear site.

3. 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, and claim procedures that do not complicate customers.

To get this information, do not hesitate to search from various sources, starting from the Internet to ask directly to car insurance customers that you know.

One of the most important things, choose an insurance company that has been registered and supervised by the Financial Services Authority (OJK).

4. Pay attention to the features of the services offered
Each type of car insurance certainly provides different benefits. Therefore, make sure you know what service features are provided. Not only the main services, but also additional services, such as towing facilities, procurement of replacement cars, ambulances, hotline services , and so on.

Although it looks interesting, there is no need to add to the expansion of guarantees if you feel you don't really need it. You certainly don't want to pay more premiums for benefits that you don't use, right?

5. Pay attention to partner workshop services
Partner workshops are one important aspect in choosing car insurance. If something happens to the car, it is the partner workshop that is the main goal of making repairs.

In addition to ensuring that partner workshops have a good reputation, you should also ensure that insurance companies have partner workshops that are close to your domicile.

Having car insurance is one way of financial protection from the risk of loss that we cannot predict. Choose car insurance that suits your needs and abilities to get optimal car insurance benefits.

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