Auto Insurance Guide- Get your Auto Insurance Policy

Auto insurance provides complete protection against losses happened as a result of vehicle accidents. Normally it includes car insurance and motor insurance. The customers purchase this insurance policy just to reduce the risk incurred due to accidents of cars, trucks and other vehicles. People can also secure their vehicles against theft, fire damage or accident damage.Auto insurance policy may cover insured party, insured vehicle as well as third party that are involved in the accident. Sometimes policy is valid for certain circumstances. Different policies are available for the customers and they can purchase anyone as per their requirements. Coverage levels can vary for each auto insurance policy.
Insurance is one of the essential things to secure you, your family as well as your vehicle. You’ve to just pay a certain amount of premium for a fixed period of time and then the insurer agrees to pay you for any kind of damages or loss of your vehicle. Cost of an insurance policy totally depends on the coverage because your policy covers more only if you pay more.Auto insurance is expensive because it is the best way to secure you and your automobile. Main types of auto insurance are as follows:
Fully Comprehensive auto insurance policy
Third party (fire & theft)
Third party insurance
Specialized car insurance
People mostly purchase fully comprehensive auto insurance policy as it covers all types of cases like theft, accident and other damage. It is an expensive policy but whenever you go to buy this one you should try to get 100% security for your vehicle.
Third party insurance is cheapest than others and it offers coverage only if you’re at fault and hit other party. It is the best option in case you owned an old vehicle.
Specialized car insurance is for the 25 years old vehicles. These vehicles require special services so these are categorized as classic. An individual can choose the best as per his/her requirements. But whenever you go to purchase these policies you’ve to be sure about the source from where you’re going to buy the insurance policy. You should first make you budget means how much you can afford to pay for auto insurance policy premium.After deciding your budget, make a decision on amount of coverage that you want for each accident. You should tell your requirements to different insurance companies and agents. You should discuss your problems with the companies. Then choose the best among them means select that company which is ready to give more coverage. You can also search on Internet for the best service providers

Planning, Before Buy Car

Planning is important thing before buy car. We must make some consideration, such as:

FinancialPriority.

Think again do we realy need own car? If we have a car we should estimate the long-term ownership costs of the car. These include insurance, maintenance, fuel cost and depreciation. For me, car is very important as transportation to go to my office.

Budget.

How much money to spend buying car? I'm looking for a car that will fit into my budget. It's very important to establish a realistic monthly payment.

Payment System.

Cash or credit/leasing? Cash system is more priority. I didn't have enough money to buy car by cash, so I took a loan from leasing company for buying car. If we take leasing system, we will pay more expensive than by cash. But it will easier to control our financial.

Car Type

What car type that we want? Big, Small, Medium? If we have a big family, big car is a wise choise. If we always pass through small road or busy traffic, small car is wise preference.What safety features do you want? Will the car easily fit in our garage or parking area?Car UseWhat car use for? For sport, prestise, daily use, etcUsed car or New car?I think new car easier for engine maintenance than used car. But if we want to have classic or historical car or we don't have money to buy new car, so no problem if buy used car.

Tyre Expiry

How to find out whether your tyre has expired? Check for this sign: ( *2603* ) There is an asterisk at the beginning and at the end of this serial number. The first two numbers 2 6 will tell which week of the year has it been manufactured. NB: One year has 52 weeks. The last two numbers represent the year of make.
Therefore, *2603* shows that the said tyre is manufactured in the 26th week of the year 2003. *2699* This shows that the tyre is made in the 26th week of 1999.

Check all your tyres for safety purposes. Do not use expired tyres.They are likely to burst (especially when running in hot weather) because the rubber component may have hardened and cracked.
‘4002’ means DOM is Week 40 of 2002
‘3401’ means DOM is Week 34 of 2001