Steeds meer gezinnen hebben tegenwoordig twee, of meer, auto’s. Waar het vroeger bijna nooit voor kwam is het nu heel normaal, één auto voor de man, één auto voor de vrouw en wellicht nog ééntje voor de kinderen. Hierdoor zijn de autoverzekeringen een erg grote kostenpost geworden in een gezin en is het slim om vooraf de autoverzekering te berekenen. Veel mensen weten niet dat hier erg veel geld op bespaard kan worden en doen niet genoeg onderzoek naar wat voor verzekering zij nou echt nodig hebben. In dit artikel gaan wij met u bespreken hoe u de verzekering kiest die het beste bij u past.
De dekkingen die er zijn
Het is wettelijk verplicht om minimaal een Wettelijke Aansprakelijkheidsverzekering (WA) te hebben voor uw auto. Hiermee is uw auto verzekerd tegen schade die niet door u is veroorzaakt maar door de andere partij. Als u zelf de schuldige bent is uw auto niet verzekerd en kunnen de kosten snel oplopen. Wilt u dit risico niet nemen dan kunt u een allrisk verzekering nemen. Hier bent u verzekerd als de schade door een ander komt, maar ook als u zelf de schuldige bent. Mocht u dit te duur vinden maar je wilt wel verzekerd zijn tegen diefstal en natuurschade, dan kunt u kiezen voor een Beperkt casco verzekering.
Waar kies je voor
Bij het bepalen welke verzekering het beste bij u past kunt u de volgende dingen in uw achterhoofd houden. Ten eerste moet u uzelf afvragen hoe afhankelijk u bent van uw auto. Als je weinig in de auto zit en er niet erg afhankelijk van bent kunt u misschien beter kiezen voor een lagere verzekering. Ten tweede is het slim om naar de bouwjaar van uw auto te kijken. Veel mensen kiezen voor een allrisk verzekering wanneer een auto 5 jaar of jonger is. Daarna kiezen ze voor een lagere verzekering.
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