Selasa, 11 Desember 2012
Senin, 10 September 2012
How to Choose Your Car Insurance For Protected From Fraud
Have you ever heard of car insurance? you would often hear about how to choose car insurance. Indeed, many scattered on the internet that discuss car insurance, but just to explain briefly. In this article we will discuss about how to choose the right car insurance so you do not have to worry.
There are many insurance companies in Indonesia and offers a form of protection and vehicle maintenance such as your car or other vehicle. But you do not have to just believe, learn first.
All companies engaged in automobile insurance providing them a superior product. Customer need to do a thorough inspection and learn what companies offer auto insurance that there will be a right choice. As for how to choose the right car insurance is as follows:
1. Cheap rate is not a guarantee for customers. Because many companies to lower their prices because of the competition the company, but no assurance services.
car insurance, how to choose car insurance, insurance policies, car insurance companies
car insurance
2. Check the insurance is on offer to you. Bail especially you can check, whether a lot or a little or reliable? because it reflects the amount of collateral that they have more capabilities as well, however they offer in accordance with the Traffic and desires of prospective customers.
3. See how many branches of auto insurance companies and whether it has business associates engaged in the workshop so as to ensure if the vehicle we are having problems and report if your vehicle is lost.
4. What facilities are provided. Are amenity, facility or maybe there is added value that can be given if you purchase their insurance policy. If the insurer has complete facilities it must have a tow truck, car replacement or hotline services, mechanic services, ambulances or anything that can guarantee your vehicle. The most important thing is that given the ease and convenience of obtaining information if there is anything you ask.
5. The ability of these companies need to look in other words, see how bona fide company. Experience says that many companies are claiming that they have a bona fide company when its financial condition is very severe.
6. Financial strength qualified for private insurance and also need to look at is the services on offer. To note also is the issue of costs or expenses that is provided to potential customers. many insurance companies that have a large and multi-storey buildings, vehicle operations that good but actually it's just camouflage to trick prospective customers.
In addition to the experienced people as expressed by the Head, Marketing Communications & PR PT. Insurance Astra Buana, Lawrence Iwan Sutanto Pranoto that each candidate needs to know even fully understand how to choose car insurance from an insurance policy and choose the car insurance really needed your vehicle. Car insurance companies should also have a good track record and has the financial statements are reliable and have the consumer or customer complaints center.
Car insurance companies should be willing to accept complaints from customers continuously for 24 hours and see many customer complaints from time to time.
See the performance of insurance companies in 2 or 3 years. Corporate profits are also to be seen every year, especially the gross premiums received per year. Them how much additional capital each year.
And, last but not least is how the behavior of the company's management over the years.
There are many insurance companies in Indonesia and offers a form of protection and vehicle maintenance such as your car or other vehicle. But you do not have to just believe, learn first.
All companies engaged in automobile insurance providing them a superior product. Customer need to do a thorough inspection and learn what companies offer auto insurance that there will be a right choice. As for how to choose the right car insurance is as follows:
1. Cheap rate is not a guarantee for customers. Because many companies to lower their prices because of the competition the company, but no assurance services.
car insurance, how to choose car insurance, insurance policies, car insurance companies
car insurance
2. Check the insurance is on offer to you. Bail especially you can check, whether a lot or a little or reliable? because it reflects the amount of collateral that they have more capabilities as well, however they offer in accordance with the Traffic and desires of prospective customers.
3. See how many branches of auto insurance companies and whether it has business associates engaged in the workshop so as to ensure if the vehicle we are having problems and report if your vehicle is lost.
4. What facilities are provided. Are amenity, facility or maybe there is added value that can be given if you purchase their insurance policy. If the insurer has complete facilities it must have a tow truck, car replacement or hotline services, mechanic services, ambulances or anything that can guarantee your vehicle. The most important thing is that given the ease and convenience of obtaining information if there is anything you ask.
5. The ability of these companies need to look in other words, see how bona fide company. Experience says that many companies are claiming that they have a bona fide company when its financial condition is very severe.
6. Financial strength qualified for private insurance and also need to look at is the services on offer. To note also is the issue of costs or expenses that is provided to potential customers. many insurance companies that have a large and multi-storey buildings, vehicle operations that good but actually it's just camouflage to trick prospective customers.
In addition to the experienced people as expressed by the Head, Marketing Communications & PR PT. Insurance Astra Buana, Lawrence Iwan Sutanto Pranoto that each candidate needs to know even fully understand how to choose car insurance from an insurance policy and choose the car insurance really needed your vehicle. Car insurance companies should also have a good track record and has the financial statements are reliable and have the consumer or customer complaints center.
Car insurance companies should be willing to accept complaints from customers continuously for 24 hours and see many customer complaints from time to time.
See the performance of insurance companies in 2 or 3 years. Corporate profits are also to be seen every year, especially the gross premiums received per year. Them how much additional capital each year.
And, last but not least is how the behavior of the company's management over the years.
Choosing a Good Car Insurance Company
Few tips about auto insurance, ie How to Choose a Good Car Insurance Company.
Previously I suggest those of you who want to insure your car, that do not easily believe ads that offer deals on behalf of insurance companies that provide good, because it could have been just a cover purely business to attract the target user services. Therefore, before you choose a car insurance, you should consider first tips on How to Choose a Good Car Insurance Company.
First Tips Choosing a Good Car Insurance Company
Reinsurance companies have, how easy it can be interpreted as an auto insurance company that manages this. to ensure the safety of money paid for your car.
Tip two Choosing a Good Car Insurance Company
Age insurance, the older the insurance company you are going to follow, it will be better, because of the age and experience, the insurance company has matured in terms of insurance.
Third Tips Choosing a Good Car Insurance Company
Finance companies take your insurance, the company will try to ask the insurance you really have a good financial history and no serious financial problems.
Tips fourth Choosing a Good Car Insurance Company
Customers, from client sources, so we know what their complaints, and how they in providing insurance services to its clients, the insurance company can say it was good.
Good tips Tips First choose a Good Car Insurance Companies useful for those of you who want to get comfortable driving by insuring your vehicle in good insurance.
Previously I suggest those of you who want to insure your car, that do not easily believe ads that offer deals on behalf of insurance companies that provide good, because it could have been just a cover purely business to attract the target user services. Therefore, before you choose a car insurance, you should consider first tips on How to Choose a Good Car Insurance Company.
First Tips Choosing a Good Car Insurance Company
Reinsurance companies have, how easy it can be interpreted as an auto insurance company that manages this. to ensure the safety of money paid for your car.
Tip two Choosing a Good Car Insurance Company
Age insurance, the older the insurance company you are going to follow, it will be better, because of the age and experience, the insurance company has matured in terms of insurance.
Third Tips Choosing a Good Car Insurance Company
Finance companies take your insurance, the company will try to ask the insurance you really have a good financial history and no serious financial problems.
Tips fourth Choosing a Good Car Insurance Company
Customers, from client sources, so we know what their complaints, and how they in providing insurance services to its clients, the insurance company can say it was good.
Good tips Tips First choose a Good Car Insurance Companies useful for those of you who want to get comfortable driving by insuring your vehicle in good insurance.
Choosing the Best Car Insurance Company For You
If you are looking for cheap car insurance, you will consider one factor that is about the life of a company or exactly how long the car was standing firm. and it is the right choice for a layperson. and of course that offers competitive prices and cheap.
Getting vehicle insurance, truck, minivan and even you, are the needs that could be considered mandatory for all vehicle owners. given the risk of damage and repair costs are also increasingly expensive. With auto insurance, we are a little quiet with the transfer of responsibility of risk.
In general, the insurance company is best for your car can not be separated from the performance as well as the climate itself an insurance company, for example an insurance company that is often a problem for the customer, often not fulfilled even claim that we are not satisfied with the service and the sole risk of the insurance .
But do not also choose an insurance company with a worldwide reputation but did not like the tone of domicile, because it will be difficult to take care of the claims in the future, unless there are branch offices and extensive network.
Make sure you have car insurance at competitive prices, not too high and not too low compared with the same insurance company with a local company or a recommendation from someone else, needs to carefully and meticulously.
Many companies will offer lower insurance rates or cheaper or more affordable than others of the same type in terms of products and policies.
Some companies take into account the report's credit rating of the customer in determining the level of risk for the insurance company, if you have bad credit or bad marks on your credit report, then you would normally be difficult to accept insurance customers.
And as considerations do not also choose an insurance company that provides high premiums, because maybe it was just to cover the risk of the insurance company's own ugliness. Select existing fair discount and talking to friends and family, it's much easier to make a decision about choosing the best insurance company for your car.
Getting vehicle insurance, truck, minivan and even you, are the needs that could be considered mandatory for all vehicle owners. given the risk of damage and repair costs are also increasingly expensive. With auto insurance, we are a little quiet with the transfer of responsibility of risk.
In general, the insurance company is best for your car can not be separated from the performance as well as the climate itself an insurance company, for example an insurance company that is often a problem for the customer, often not fulfilled even claim that we are not satisfied with the service and the sole risk of the insurance .
But do not also choose an insurance company with a worldwide reputation but did not like the tone of domicile, because it will be difficult to take care of the claims in the future, unless there are branch offices and extensive network.
Make sure you have car insurance at competitive prices, not too high and not too low compared with the same insurance company with a local company or a recommendation from someone else, needs to carefully and meticulously.
Many companies will offer lower insurance rates or cheaper or more affordable than others of the same type in terms of products and policies.
Some companies take into account the report's credit rating of the customer in determining the level of risk for the insurance company, if you have bad credit or bad marks on your credit report, then you would normally be difficult to accept insurance customers.
And as considerations do not also choose an insurance company that provides high premiums, because maybe it was just to cover the risk of the insurance company's own ugliness. Select existing fair discount and talking to friends and family, it's much easier to make a decision about choosing the best insurance company for your car.
Secrets of Success Set Family Finances
The main problem there is always a family usually over money. Could be due to lack of money, excess money :) or confused about how to manage money as a mediocre income while the demand always exceeds the income.
But it was all word of mouth key is how to manage personal finances or intelligently, carefully and well. Due to problems managing money regardless of your poor, medium or rich. Because anyone can manage the family finances, it can be said 50% of their already successful and successful in financial terms.
For those in this article we will share one of the tips are taken from one of the endorsers MyFamily Accounting, Mr. Ahmad Gozali. As he gave a troubleshooting tips and secrets of how to be a successful family in managing the family finances. The secret of success is to do the following steps in order and discipline, namely:
Whenever the salary the most important first step you should do first is to pay the mortgage debt in advance. Why? Because debt is the most important duty that you must fulfill to others whether from banks and other financial institutions. Because your discipline in paying installments and the report card is a reflection of your good name in their eyes. Once you are late / absent pay then your name will be entered in a black list should be wary of the future. So keeping a good name as a debtor is crucial here, because later would be beneficial in the future. Beside that prioritizing repayments, it means that we have to appreciate our creditors who have kindly lent us money.
After paying the mortgage debt, the next thing you do is to tithe or give religious donations. Loh why so? Yes this is one proof of our gratitude to God Almighty, God Almighty who has given the gift of luck to all of us, so that we can do everyday economic activities smoothly without any flaws. By allocating special funds for these worthy causes then certainly Allah will raise the bounty and abundance to us. Do we want more and more loved by the Creator and Giver of our sustenance?
After tithe what else huh? Furthermore, that is not less important is to set aside at least 10% of your income for savings / investments. Wow, why you save it in front of you? Instead of saving it in the end if the alias if there are remaining? :) He .. he .. he .. that's one of our bad habits to wait if there is money left over at the end of the month, when in fact almost always there is nothing left right? Which means we will never be able to save. Well, now the trend and is a good habit of saving at the front, with a straight cut every time receive a salary / income. For more on what and how the discipline of saving this we have explained in my previous article titled "Tips for Saving Income bit".
Now the last step is new for sure we like with that please spend money wages / income left :) Please we spent to meet various purposes like shopping routine family fill the kitchen, meals, side dishes, insurance, school, recreation, purchasing clothes and another as much :) Tasty is not it? Yes of course you should do this because we already meet all the essential items that could cause damage to the financial condition of the family as happy playing for time to pay the mortgage debt, and do not forget to tithe was saved because it has run out of money first and hope for the rest. And by following steps 1-4 above of course we're all going to achieve success in managing family finances without the headache and stress.
Hopefully the secrets of success over the family finances can benefit us all, which of course if you want to achieve it must be by way of practiced / applied directly aided especially by using the tools that are popular today are MyFamily Accounting software will further facilitate its implementation. So that later we can go to the new next step is starting to learn to invest. Good luck!
But it was all word of mouth key is how to manage personal finances or intelligently, carefully and well. Due to problems managing money regardless of your poor, medium or rich. Because anyone can manage the family finances, it can be said 50% of their already successful and successful in financial terms.
For those in this article we will share one of the tips are taken from one of the endorsers MyFamily Accounting, Mr. Ahmad Gozali. As he gave a troubleshooting tips and secrets of how to be a successful family in managing the family finances. The secret of success is to do the following steps in order and discipline, namely:
Whenever the salary the most important first step you should do first is to pay the mortgage debt in advance. Why? Because debt is the most important duty that you must fulfill to others whether from banks and other financial institutions. Because your discipline in paying installments and the report card is a reflection of your good name in their eyes. Once you are late / absent pay then your name will be entered in a black list should be wary of the future. So keeping a good name as a debtor is crucial here, because later would be beneficial in the future. Beside that prioritizing repayments, it means that we have to appreciate our creditors who have kindly lent us money.
After paying the mortgage debt, the next thing you do is to tithe or give religious donations. Loh why so? Yes this is one proof of our gratitude to God Almighty, God Almighty who has given the gift of luck to all of us, so that we can do everyday economic activities smoothly without any flaws. By allocating special funds for these worthy causes then certainly Allah will raise the bounty and abundance to us. Do we want more and more loved by the Creator and Giver of our sustenance?
After tithe what else huh? Furthermore, that is not less important is to set aside at least 10% of your income for savings / investments. Wow, why you save it in front of you? Instead of saving it in the end if the alias if there are remaining? :) He .. he .. he .. that's one of our bad habits to wait if there is money left over at the end of the month, when in fact almost always there is nothing left right? Which means we will never be able to save. Well, now the trend and is a good habit of saving at the front, with a straight cut every time receive a salary / income. For more on what and how the discipline of saving this we have explained in my previous article titled "Tips for Saving Income bit".
Now the last step is new for sure we like with that please spend money wages / income left :) Please we spent to meet various purposes like shopping routine family fill the kitchen, meals, side dishes, insurance, school, recreation, purchasing clothes and another as much :) Tasty is not it? Yes of course you should do this because we already meet all the essential items that could cause damage to the financial condition of the family as happy playing for time to pay the mortgage debt, and do not forget to tithe was saved because it has run out of money first and hope for the rest. And by following steps 1-4 above of course we're all going to achieve success in managing family finances without the headache and stress.
Hopefully the secrets of success over the family finances can benefit us all, which of course if you want to achieve it must be by way of practiced / applied directly aided especially by using the tools that are popular today are MyFamily Accounting software will further facilitate its implementation. So that later we can go to the new next step is starting to learn to invest. Good luck!
Interlocking think a 1000 Times When Buying A Car With Credit Method
If I'm not mistaken quote from an article in a leading business magazine in the country, approximately 75% of the Indonesian people buy cars on credit. Either through banks or financial institutions (leasing) more. Of course this is a very lucrative market for the financing / bank on one side and the consumer / buyer to buy a car (especially a new car) by way of setting up their credit with only about 10% -30% down payment can already have a car . But we realize that behind the easy way to have a car loan, it turns out we had to pay a very expensive cost. I will lay out below the full calculations and explanations.
Understanding Consumer Incomplete
Consider, for this if we want to buy a car on credit, and the preparation of our main consideration is only on the ability to pay the mortgage each month. And we also have to take into consideration many other cost components that arise and we have to pay for car ownership in the term, and unfortunately this is the most we forget.
Right now I will discuss about how to simulate a sample of consumers who bought a car with credit below that we took from the site www.oto.co.id September 18, 2007:
Car: Toyota New Avanza 1500 cc
Cash Price: Rp. 131 300 000, -
Down Payment: Rp. 32,825,000, - (25% of the cash price)
Insurance: Rp. 10,635,300, - (All risk 8.10%)
Instalment: Rp. 3,787,500, -
Interest: 12.82%% per year
Duration: 36 months
Administration: Rp. 475.000, -
First Payment Total: Rp. 47,772,800, -
Let's look at the process of settlement to be paid by consumers over the past three years, as we show in the table-mobil.pdf simulation file:
Results summary:
Instalment Total: Rp. 136 350 000
Total Fuel Cost: Rp. 36 million
Total Tax Cost: Rp. 4.5 million
Total Maintenance Cost: Rp. 8.4 million
Total All Costs During the 3-year Credit: Rp. 227 360 300, -
Wow!, Look at the credit when we finished it less than the total costs we should spend for the car to be very large ...! Remember you know that that much money is money lost alias charred. Note, too, the costs of such a purchase gasoline taxes and vehicle maintenance for three years is less of a concern most of us when they want a car loan. Yet we must remember also that the car is a thing that will suffer price depreciation (depreciation) from year to year. If we assume a depreciation of the car is approximately 8% (eight percent) per year, then after the completion of the term of our new car prices will be:
Rp. 131,300,000 x 8% x 3 = Rp. 31,512,000. Means within three years the price of our cars shrink by that number. So the car is now only worth Rp. 99,788,000. Compare this with the total money you pay for 3 years with the condition of our present value of the car! It is very suffocating ...
What If Invested?
Now for example by burning money Rp. 227,360,300 is, if we grow the example to one investment instrument that has a yield return (profit / yield) of 10% per year (flat), and we let stand for 15 years. How much money will we have become? Consult the table in the file you downloaded earlier.
Wow, look at the money you save for 15 years has now reached almost 1 billion dollars ... Well now you choose to stay, would still insist on buying a new car on credit but the consequences "scorch" of money? Or with a smart, keep spending money but not that much to buy a car, it was developed in the form of investment as the above calculations.
Solutions and Conclusions
Indeed, there may be cynical about my calculations above, for example: "... why we are so stingy huh same money, instead it means we become a slave to money ...?" Or also as "... for 3 years that we can smoothly undergo the affairs such as business, etc., so that it can be a lot of money, so not a lot of money spent for three years ... "
To the first comment instead we stingy / a slave of money, but how can we be wise to treat the money. Moreover, in the future, the need for money is certainly going to grow a lot as children's education and retirement. For the second comment on one side of a point, but please be honest with our conscience, what should buy a new car on credit to support daily activities and your business?
In my opinion, if we want to buy a car with a smart and wise is to buy a second car (in excellent condition ok) and purchased in cash. The two main keys used car and cash, it's the principle. Since used cars are still in good condition no less discomfort when we buy new and with excellent facilities. Because we need to remember every car we buy instantly out of the dealer, then automatically the price / value went down. And why should be paid in cash, because of course we have to avoid the burden we must bear the costs (such as interest) we have to pay over the term of the loan.
Hope can help add insight into all of us.
Understanding Consumer Incomplete
Consider, for this if we want to buy a car on credit, and the preparation of our main consideration is only on the ability to pay the mortgage each month. And we also have to take into consideration many other cost components that arise and we have to pay for car ownership in the term, and unfortunately this is the most we forget.
Right now I will discuss about how to simulate a sample of consumers who bought a car with credit below that we took from the site www.oto.co.id September 18, 2007:
Car: Toyota New Avanza 1500 cc
Cash Price: Rp. 131 300 000, -
Down Payment: Rp. 32,825,000, - (25% of the cash price)
Insurance: Rp. 10,635,300, - (All risk 8.10%)
Instalment: Rp. 3,787,500, -
Interest: 12.82%% per year
Duration: 36 months
Administration: Rp. 475.000, -
First Payment Total: Rp. 47,772,800, -
Let's look at the process of settlement to be paid by consumers over the past three years, as we show in the table-mobil.pdf simulation file:
Results summary:
Instalment Total: Rp. 136 350 000
Total Fuel Cost: Rp. 36 million
Total Tax Cost: Rp. 4.5 million
Total Maintenance Cost: Rp. 8.4 million
Total All Costs During the 3-year Credit: Rp. 227 360 300, -
Wow!, Look at the credit when we finished it less than the total costs we should spend for the car to be very large ...! Remember you know that that much money is money lost alias charred. Note, too, the costs of such a purchase gasoline taxes and vehicle maintenance for three years is less of a concern most of us when they want a car loan. Yet we must remember also that the car is a thing that will suffer price depreciation (depreciation) from year to year. If we assume a depreciation of the car is approximately 8% (eight percent) per year, then after the completion of the term of our new car prices will be:
Rp. 131,300,000 x 8% x 3 = Rp. 31,512,000. Means within three years the price of our cars shrink by that number. So the car is now only worth Rp. 99,788,000. Compare this with the total money you pay for 3 years with the condition of our present value of the car! It is very suffocating ...
What If Invested?
Now for example by burning money Rp. 227,360,300 is, if we grow the example to one investment instrument that has a yield return (profit / yield) of 10% per year (flat), and we let stand for 15 years. How much money will we have become? Consult the table in the file you downloaded earlier.
Wow, look at the money you save for 15 years has now reached almost 1 billion dollars ... Well now you choose to stay, would still insist on buying a new car on credit but the consequences "scorch" of money? Or with a smart, keep spending money but not that much to buy a car, it was developed in the form of investment as the above calculations.
Solutions and Conclusions
Indeed, there may be cynical about my calculations above, for example: "... why we are so stingy huh same money, instead it means we become a slave to money ...?" Or also as "... for 3 years that we can smoothly undergo the affairs such as business, etc., so that it can be a lot of money, so not a lot of money spent for three years ... "
To the first comment instead we stingy / a slave of money, but how can we be wise to treat the money. Moreover, in the future, the need for money is certainly going to grow a lot as children's education and retirement. For the second comment on one side of a point, but please be honest with our conscience, what should buy a new car on credit to support daily activities and your business?
In my opinion, if we want to buy a car with a smart and wise is to buy a second car (in excellent condition ok) and purchased in cash. The two main keys used car and cash, it's the principle. Since used cars are still in good condition no less discomfort when we buy new and with excellent facilities. Because we need to remember every car we buy instantly out of the dealer, then automatically the price / value went down. And why should be paid in cash, because of course we have to avoid the burden we must bear the costs (such as interest) we have to pay over the term of the loan.
Hope can help add insight into all of us.
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