How to calculate auto insurance premium based on insurance rate. Clearly, the cost of allrisk is much higher than the TLO, especially if you want to increase the extension of dependents. We will probably think, "Not necessarily, in a year must crash." Then the way of thinking, no need also to insure the car. The risk calculations need to be meticulous. Approximately what percentage chance we will have an accident or loss with current driving habits? Previously already mentioned, if the car price is high so it costs not a little damage even mild, should choose allrisk. This type of insurance is also suitable for car rental business or car course, because the risk of just a minor damage is fairly high. Obviously the frequency of car usage affects the type of insurance taken. The more frequently used, the more likely the accident. Moreover, if the route is often used is a solid path. Again allrisk be an option. Conversely, if the car is more often parked at home than invited out, better choose TLO.
Accidents are not the only factor. The crime rate also needs to be scrutinized. Crime in certain areas is high. If you live or often pass in an area like this, make sure to insure your car. Broadly speaking, allrisk is more recommended than the TLO, because this one is not exactly cheap ride costs. However, everything still returns to your judgment. Want to TLO or allrisk, the important calculations do not make a stump! Damage or loss due to the above things is very likely to happen in Indonesia. For the flood alone, for example, every year the capital's people must be willing to deal with this one problem. The size of each insurance rate of each expansion is different. In general, less than 0.5 percent. For how to calculate the car insurance premium TLO and allrisk plus the extension of dependents, we live add the entire percentage of the insurance rate multiplied by the value of the car. Suppose the owner of the Toyota Avanza decided to take expansion dependents for flood risk (0.15 for allrisk and 0.05 for TLO), riots (0.35 for allrisk and 0.13 for TLO), and sabotage / terrorism (0.15 for allrisk and 0.05 for TLO), the cost that needs to be issued are: