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Despite the fact that cars are no longer a luxury, in the scale of wealth they hold second place, behind the palm of leadership except real estate. It is not surprising are the indicators that relate to transportation-related crimes. If we recall the number of accidents occurring annually, requiring the bank to insure a car, for which he gives credit does not seem so inappropriate.

With insurance or without? Today, the opportunity to take a car on credit and make out with liability insurance - a rarity. Only some banks agree to give car loans without a helmet, to the same conditions for such loans is very hard - this is a high down payment, and often inflated rate and short term loans. Banks try to secure as they can given to you means, so in addition to the mandatory for every driver, "automobile liability insurance" will have additional "fork" is also on Casco insurance. Actually, in this particular policy there is nothing wrong, it's a way to protect your personal car is of any trouble that seems so waiting on the highways. However, when the lending bank and the insurance company will have to consider a lot of details that will make savings on insurance reasonable.

Where to get insurance? Ideal opportunity to save on car insurance (Ubezpieczenia Olsztyn) is to choose such a bank, which does not matter what company you buy the hull, as long as the policy you've had. This way, you will not overpay and high interest rates, which the Bank of reinsurance potential problems with the car, and be able to choose the insurer "taste." On the other hand, if you pick up the bank with the most suitable for you credit conditions, and this credit organization strongly recommends a particular insurer, take the time to give up. It is better to read the proposed terms of insurance, find out more about the recommended insurer - maybe your bank cooperates with the best of them. However, it may well give up and so that this most "recommended" the insurer - the highest insurance rates in the city, and such seemingly favorable credit conditions become significant burden.

Car insurance - an important point One can not tell the difference value of the policy that you purchase for your own personal car, and the insurance that the pledge to buy the car. The fact that the price of the policy is largely influenced by such factors as the degree of depreciation (amortization) of cars. That is, each year the policy manual for your car will cost less. However, the auto loan that rule does not apply - if you take out a loan, for example, for three years, during this period, the policy cost Hull for you to be the same.

Another important caveat, which for some borrowers as a surprise "de facto." If your car still bit of a nuisance, provided the insurance agreement, the indemnity will be paid not to you, even though you are acting owner of the insured vehicle, and the bank, which is the mortgagee. It would seem that this situation is not fair, but it's worth remembering that, regardless of the state (or whether you have) a car loan you have to pay to its full maturity. In other words, if you have saved on the insurance and your credit car stolen, you are left without a car and with unpaid debts. If you have a hull, the debt to the bank will cover the insurance company.