¿Insurance, how do you choose the best?

Often have a contracted insurance is a must for peace of mind. However, if the car is mandatory, but how do you know that you choose the best? The best insurance for one person may not be right for another, each individual risk. So the first thing to consider is what you really need.

The choice of insurance is a decision that requires thorough analysis, but selecting the best should not be so complicated. In some cases, it is an inexorable expense car insurance, motorcycle or moped, but in others it is voluntary and necessary protection for which good policy can give you a profitable future promise.

Having an insurance package that is useful is very important, but the convenience is determined by the characteristics of each insured individual. Housing is one of the most valuable and particularly the insured property. The existence of a mortgage is an important factor in obtaining housing, in fact, the element 92% of households with a mortgage have home insurance. However, the vast majority of homes in keeping your home insurance canceled once the mortgage. According UNESPA, only 12% choose not to renew your insurance.

¿WHAT TO LOOK FOR HIRE safe?

Factors such as price, coverage and the insurance company are essential when opting for insurance or other, the final choice will depend on which of them fall more weight according to the personal needs of the insured.

The factor that determines the choice of the user is the price, in fact 56% of people who contract are fixed in price, according to a study Mapfre. The amount of money that must be paid to be assured is an important thing when purchase a policy, which, according to the economic possibilities of the person who will have to pay the first.

Some insurance companies, depending on the type of insurance, allow the interim payment, quarterly or even monthly, so when looking at the price, it is advisable to study all options and choose the one that suits everyone. In addition, in some cases, as in the rental car and motorcycle can be franchised, or co-payment in the case of health, making the premium is significantly reduced.

The price influences a number of factors, among which are guarantees cover. More coverage often leads to more premiums.

However, we must look beyond the prices that are hedges. The perfect policy should be decisive and priced accordingly. Beyond the price are the toppings. The perfect policy should be decisive and priced accordingly. Hedges hire necessary depend on the person who signs the insurance. It is the policyholder who choose the risks they want to take and those who prefer to let your insurer. Although the price is not the lowest in the market, it is advisable to consider an insurance policy with a higher premium offering more guarantees.

By choosing the best insurance also affects the insurance it provides. Each has a number of partners, whether workshops, repair or locksmith companies, veterinary clinics, private medical centers, among others. When the policy is chosen, it is also choosing the services it provides, so it is essential to consider the range of benefits the insurer provides the geographical framework of the insured, besides the quality of them.

THE ROLE OF INSURANCE IN THE BUDGETS OF THE FAMILY

Rent is the largest component of household spending. It is followed by food, housing maintenance and transportation. The expenses of insurance is to take 3.6% of these expenditures as indicated UNESPA. However, according to the percentage change communities.

Thus, Baleares, Cantabria, Galicia and the Community of Madrid is higher. At the other extreme, the lowest expenditure on insurance rates are given in Navarre, Ceuta, Melilla and La Rioja.

If this reality is seen from the perspective of the type of home you can see the complexity of the insurance is "not so easy", saying that insurance is correlated with children. Households with children also tend to make major efforts in the acquisition of insurance.

EVERY DAY OF THE YEAR ...

According to the Spanish insurance Union (UNESPA), daily average accident insurance claims handled 555 years at a cost of over 533,000 euros. Meanwhile, health insurance managed 80.146 claims with a cost of 13.8 million euros. Auto insurance managed 28.563 requests per day at a cost of over 19 million. Responsibility 270 with a cost of 1,247,561 euros.

On the other hand, insurance 823 deaths each day manage accidents with a cost of 2,129,602 euros. And life insurance at a cost of 25,710,588 Euros per day. Thus, according UNESPA, insurers have three times the required solvency.