For the people in Indonesia , buy an insurance product is less desirable . The lack of access to insurance caused by many things , both the existence of the view that insurance is not required , the premium offered is still expensive , the benefits offered is not in line with the wishes of the people , and the lack of socialization of the importance of insurance .
Insurance penetration in Indonesia is relatively low . In general , insurance penetration or market share is still below 5 % . This is ironic considering the number of Indonesian society registered in 2010 approximately 237 million people . Indonesian society still large untapped insurance industry needs to be a whip for the insurance industry to realize this potential is so great that.
No doubt , there are still many people who think that insurance premiums are expensive and not affordable . It is actually not 100 % true . Because there are several insurance products that are offered relatively affordable premium rate . In fact , if carefully select , we can obtain an insurance product with a fairly low premium rate .
Keep in mind , the premium is the amount of money that must be paid every month as insured obligations for its involvement in an insurance company . The amount of premiums set by the insurance company with particular attention to the condition of the insured .
Policy and Insurance Company Products
Insurance Policy is a contract of insurance or coverage is consensual ( by agreement ) , made in writing in a deed by the parties entered into the agreement . In deed made in writing was called " policy " . Thus , the policy is proof of the insurance agreement is a written proof .
Insurance companies have many products that are offered to the public , which are insurance products . Typically , a vehicle or car insurance premiums offered by insurance companies differ . Different rates offered actually provide benefits for people who want to access insurance products .
Insurance companies continue to compete to create innovations related to auto insurance . Innovation insurance company finally made an impact on the variation of benefits provided to people who intend to purchase car insurance . Actually, on this basis , car insurance premiums could decline . This happened because the penetration of insurance products people would still small . To enlarge the market share of car insurance , many insurance companies slam the price premium . However , you need to be careful to address the low premium rates offered by an insurance company .
Because, if the amount of the premium being offered is low , the public needs to be aware of whether the insurance company has a strong capital to pay claims reported customers . Keep in mind , a good business in the insurance industry is when there is a balance between the amount of premiums to claims . That is, the premium rate should be adjusted by the insurance company's ability to pay its obligations or claims obtained from the customer . When you want to buy insurance with a low premium levels , people need to be careful in sorting out insurance products in Indonesia . In fact , there needs to be awareness of yourself to get a lower premium rate .
Simple Tips to lower premiums
To get car insurance premiums are said to be low or affordable , then people need to look at some of the following, namely :
First , find out in depth car insurance products in all insurance companies in Indonesia . Find out the premium rates offered by each insurance company . Do not forget to find out the benefits provided and deadlines liquefaction process claims . If so, compare these products and decide which one is cheaper yet still provide complete protection .
Second , dare ask for a premium piece . When you want to buy a car insurance product , then there is no harm in doing negotiations with the insurance company . In fact , their bargaining power will be higher when coupled with the ability to control risk while driving .
Third , select the right vehicle . This is important . When you want to buy a new car , it is necessary to consider the type of car to buy , how the level of comfort and safety. Do not buy a car at a fantastic price , because there will be an impact on premium rates .
Fourth , strengthen the ability to drive . With the ability to drive a car that is capable , it will give you a distinct advantage . Because the insurance companies will see it as a foundation capabilities provide a premium level . The more proficient , the lower the level of risk . So is that the lower the premium rate .
Fifth , by adding a variety of security devices . With various safety devices , such as alarms , steering wheel locks , and such risk will be reduced . If the existence of these things already exist , it is not likely to be the basis for people to negotiate the level of car insurance premiums lower ,
Sixth , there is no harm in adding safety and comfort features in your car . There is no harm in adding ABS brakes , front and side air bags , electronic double seat belts , sensors , and the like . This can reduce the risk of injury in a car crash . Reducing risk means car insurance premiums lower .
By paying attention to some of the above , chances are people will get a lower premium rate . More than that , it never hurts to add insight about the insurance products and premium calculation . With in-depth knowledge , the quotes given by insurance agents can reduce the risk of a borrower swallow offers given .
Public knowledge of insurance , including products and calculation of premiums that have been studied in depth will minimize the purchasing power of automobile insurance products offered by insurance agent to excess . Remember , high or low premium rate is not only influenced by the offer of an insurance agent , but also greatly influenced the ability of communities to manage risk .
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