Most drivers are not too puzzled by the question of which company to choose for insurance. This is understandable: time is precious, and to understand all the legal nuances is hardly enough patience, desire and knowledge. In addition, why bother with a choice if the rates of OSAGO are the same everywhere? However, world practice shows that the choice of an insurance company should also be approached thoughtfully.
Why choose a company carefully?
One of the factors that can undoubtedly influence your choice is the level of service. Sometimes you can stumble upon the usual bazaar rudeness. If they communicate with you in this way when concluding a contract, can you imagine what will happen if you contact in connection with an insured event?
However, this is a human factor. Even the most "trained" staff can be in a bad mood. But the fact that having insured with just anyone you can suddenly lose money is already more serious. The global economic crisis has significantly affected the insurance segment of the market, and a huge number of companies have gone bankrupt, leaving their clients unprotected. Therefore, despite the same cost, you need to choose based on the stability and level of service of the insurance company.
What are the criteria for choosing an insurance company
There is such an indicator as the reliability rating. It determines the financial stability of the enterprise, that is, you definitely will not "burn out". There are a lot of ratings for determining this indicator, the most popular are Expert RA or NRA. However, focusing on this indicator alone would not be too far-sighted. Sometimes even small insurance companies can provide decent service. Here are just legal and economic requirements for insurers - an unstable category. If you want to be sure that your insurance company is able to withstand all market changes, look for a company with a sufficiently large authorized capital. It should be at least half a million rubles.
Before giving preference to any company, view its financial indicators on the FSIS website. The percentage of payments is especially important - if it is less than 30 percent, it turns out that many insured people are refused. Too high a percentage is also not the best indicator - if the company pays everyone, then it has nowhere to receive income. Pay attention to the size of the collected bonuses: leaders in this area often have excessive bureaucracy, rudeness of irritated staff and long queues. Another point is the share of auto insurance. The smaller it is, the better, because auto insurance itself is unprofitable. Companies that rely only on auto insurance raise concerns among experts.
And finally, advertising. Know, no matter how high-quality television, radio or advertising on the Internet, you should trust only the advice of friends. And not those who have never had an accident in 15 years, but those who have real experience of interacting with the company due to the occurrence of an insured event.
