"You should never skimp on insurance!"
This is the main motive of the Life of any insurance on any object in any region!
Life insurance, accident, car, building your own responsibility, any other insurance - Life, this motif must be respected always.
The basic meaning of the principle that there is some mathematical function for calculating tariffs. Most of those tariffs, which the insurer has to pay for the client to sign an insurance contract (policy).
Mathematical relations are based on the statistics of insurance claims, which in the same regions of the same objects (cars / buildings / life / health) for the same type of insurance, the more likely the same. And if the same statistics, then the tariffs that offer honest insurers in the region of the object should be roughly the same level. They may differ, but no more than 20-30% of each other (usually, the bigger the company, the higher rates), and, of course, can vary at times, as it happens!
If the tariff, which offers an insurance company that is fundamentally different from the rates tested over the years the leaders of the insurance market in your area - it is an occasion to think about over the "bizarre" proposal.
In any case, save for insurance, for example, 10-20% (which is, in fact, may be a negligible amount) - can result in big trouble in the future, when the insured event, the insurer bad faith, reducing their costs (and hence have his income, since it offers low fares to all?) and not wanting to pay a loss, you will require more and more documents on the occurrence, or even declare non-compliance with the Rules of insurance and ask to go to court.
The lower tariff that you offer (in comparison with other similar), the stronger hesitate. The cheaper - the more suspicious. It is well-known rule works here at 100%.
So, remember: you should never buy cheap insurance!
A little saving - it is still possible!
Note that the small savings when buying the policy is still possible. There are two ways:
worse for you (the insurer is willing to offer);
the best one for you (to receive it will require some knowledge);
Way worse.
To save your insurer may offer a contract of insurance with a deductible. Franchise - a non-refundable portion of the damage of your property and is usually expressed in the currency of insurance policies. For example, you insure the car for 500,000 p., And the franchise - 25 000 p.
When a contract of insurance without a deductible rate that you pay the insurer will, for example, 7% of the value of the car (35 000 p.), But also at the conclusion of this franchise - the tariff reduced, for example, up to 6% (pay 30,000 p.). Savings, like, there is (5000 p.). But if you have an accident occurs in which the damage is less than the established franchise, according to the rules of the franchise, the payment will not follow you.
Here is an example of the life you scratched the door of his car insured in the amount of 500 000 p. What is the cost of painting the doors of the car? The official dealer for the car of this class - no less than 10 000 p. But 10 000 p. - It is much less than the deductible, which in your case 25 000 p. and insurance, of course, does not cover this payment. 10 000 p. for the painting you have to pay yourself. And if during the year will be several such small losses? It will be the same. Was it worth saving so rude?
Therefore, the basic rule that you should keep in mind when entering into a contract of insurance with a deductible is that the effect of savings in insurance with a deductible may be excessive in relation to the real small losses, as well as the problems accompanying them. The savings - could "backfire."
Way better.
On the way insurers prefer not to spread and do not tell you if they are not specifically ask.
In case of insurance should know that the sum (the premium), you pay the insurer, according to his calculations, the inner always divided into several parts. One of these parts of the insurer initially prepared to receive less!
This amount (which typically ranges from 10% to 35%) is part of the load, agent commission, which the insurer pays the insurance agent if you insure through an insurance agent.
Example: your car insurance costs 35 000 rubles. Agent's commission for this type of insurance is 15% (each insurer is different). You do not insure the office of the insurance company, and in the showroom, in which sits the agent of the insurer. Consequently, at the expense of the insurance company will drop only 29,750 p. And 5250 p. (15% of 35 000 p.), The company will pay the agent.
With all of this insurance company will serve you in the same way: that you received from the 35,000 r. on their accounts that the actual receipt of a 29 750 p. Now the question is whether to pay for your purse agents Insurance company?
Therefore, if definitely want to save, you should always be insured than through an insurance agent, and in the office of the insurer, but with the condition of the final rate reduction in the amount of agency commission.
If you hear somewhere that the insurance company only sells its policies through insurance agents, you will be deceived! Moreover, each insurer to pay less economically advantageous commission agents, as it will pay more and a lot of taxes.
If you hear from the insurer (but not from his agent!) The impossibility of tariff reduction in the amount of agency commission, you know - you are misleading, either through ignorance or just cheat.
In the best case (almost always!) "Impossible" - is the incompetence of the expert service you, who does not know of what constitutes a tariff structure or how it is spent, or his unwillingness to stand up from his chair and to agree on a lower fare with management. Or, perhaps, the insurer has established internal rules by which the commission (10-35% of the fee) gets himself a specialist serving you. But this rule - the perfect "lime" and you have every right to claim from the insurer of tariff reduction in the amount of agency commission.
In the worst case, the insurer may reduce the resist rate due to the fact that the financial condition of the company (or branch) is pretty bad and the shortfall in commissions on the accounts entails a loss. But in this case, the business of the insurer is rolling at high speed down. Should consider, and whether you will pay the loss over time?
There are still reasons for the reluctance to reduce tariffs, but their review is beyond the scope of this article.
However, it should be remembered that the tariff reduction for you in the amount of commission - this is an honest, legitimate, effective and always legal way possible.
If you refuse to lower the rate, then think about it! It may be a big-name competitor to the selected company is willing to meet you ...
The downside is that the last word in any case remain in the insurer and thus reduce the fare for you - it's his good will.
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