CASCO insurance - it is quite difficult business. For example, there is a basic tariff and correction factors in OSAGO. But with CASCO, where there are much more parameters for choosing a suitable insurance product, choosing an insurance company is often much more difficult. Therefore, unlike OSAGO, such a rating will be very relevant for CASCO.
10. Study the ratings of insurance companies
There are many such ratings on the Internet, moreover, compiled for a variety of reasons. Someone composes insurer ratings according to their gross income, someone - according to the reviews of policyholders, someone uses several reasons and issues a comprehensive rating.
9. Never trust ratings!
In the sense that do not consider them the ultimate truth. It certainly makes sense to study the ratings. Sometimes ratings are compiled objectively, but sometimes they are based on someone's specific interests. Therefore, be careful and critical.
8. Carefully study reviews of insurers
There is some serious work to be done here. It is necessary for each pre-selected insurer to collect as much information as possible from the policyholders. And try to weed out emotions when studying reviews - perceive the texture. And study the feedback for specific situations that you think might happen to you.
7. Never Believe Reviews!
Again: do not believe it, not because they are all deceitful and bad. But there are two factors to consider. The first is purely psychological: most people would rather write about what upset them than about something joyful. It's just the way a person is made. Nevertheless, we are also attentive to critical reviews. The second factor is geographic. An insurance company, of course, can be bad as a whole, but usually a lot depends on a specific unit, its team and the procedures established there. Look for reviews specifically about those divisions of insurers where you are going to insure.
6. Learn about your department from friends
In fact, this is a continuation of point 7. Ask your friends how and where exactly they were insured under CASCO, what suits them or does not suit them in the insurer. This is closer to reality.
5. Never trust your friends!
In the sense that they could choose the policy solely on the basis of the cost factor. But we are interested in something else!
4. Carefully study the content of the policy
Namely: read and analyze the insurance risks specified in it, the size and type of the deductible, the reasons for refusing to pay insurance compensation, etc. Otherwise, no matter how tempting the results that the CASCO calculator will give, in the event of an insured event, you may not receive anything at all or get some pennies.
3. Never believe the content of the policy!
Again, it's not that you don't believe it at all. But in addition to the CASCO insurance policy itself, each insurance company has its own insurance rules and an insurance program. And their conditions can be much more stringent than the conditions specified in the policy! The policy always contains references to these documents, but almost no one reads them. And in vain.
2. Use online calculators
The CASCO calculator is a very handy thing that is easy to use.There are many of them on the Internet, there are also universal calculators that calculate several insurance companies at once.
1. Never trust online calculators!
Even insurance companies themselves sometimes write on their websites that the total value given by the CASCO calculator is approximate and approximate. In fact, albeit small, but a difference with real figures may form.
It just so happened that all the tips given in even points of our rating will really help you in choosing a CASCO tariff. And the odd points will remind you that this choice should be made on the basis of a comprehensive study of information. After all, your case is always unique.