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車の保険について
- #1
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- gd
- 2006/12/21 20:10
車を買ったので保険に入りたいのですが、どこか安くておすすめな会社知っていますか。
- #2
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- Hide in Glendale
- 2006/12/22 (Fri) 00:40
- Report
僕の少ない経験で申し訳ありませんが、安いのを探すなら、無料日本語情報誌の広告でも見て、片っ端から、見積もりを取ることをお勧めします。見積もり取るのは無料です。それぞれの会社が、それぞれの基準で保険料を決めるらしく、簡単にどこどこは安いといえないような気がしています。例えば、某情報誌のWebサイトで保険の記事を連載しているエージェントは、見積もりをとったときの対応、説明があまりにも親切で、ほとんどここにしようと思ったのですが、見積もり金額が高かったです。高い理由を聞いたら、「あなたはアメリカの免許保持期間が長いが、アメリカにいなかった時期も長いので、うちの保険では優良ドライバーとは認定されない。でも、他の会社では認定されところもあるだろう」ときちんと説明してくれました。だから、さらに好感度アップだったのですが、安いところにしてしまいました。(あのエージェントさん、ごめんなさい。)値段以外のポイントとして、広告に出ているほとんどのところは保険代理店で、実際の保険は別のアメリカの保険会社と契約することを理解しておいた方がよいと思います。だから、以前使っていた日系代理店は、契約までは親切だったけど、実際に事故が起きたときは「自分でアメリカの保険会社と交渉してください」という態度でした。自損事故だからよかったけど、相手がいる事故で、その場で判断しなきゃいけないときに、英語で保険会社と交渉しなさい、と言われたら英語に自信のない僕にはかなりつらかったと思います。すべての日系代理店がこうだという気はさらさらなく、そういう悪い例もあるという話です。
そういう意味では、某アメリカの保険会社で、日本人のエージェントを置いて、さらに24時間日本語でコールOKの会社があったので、そこにほとんど決めかけていたのですが、保険手続きの対応が遅くて、質問しても返事が遅いし、イライラして返答が早かった某日系代理店と、今契約してます。でも、ちょっと、今、後悔してます。あと、補償限度額をいくらに設定するかで、保険料が大きく変わります。代理店は保険料を高くしたいわけなので、「いくらぐらいが適当ですかね?」なんてバカな質問はしてはいけなくて(僕はそう質問してしまった)「アメリカ一般に、どれくらいの金額が平均的ですかね」みたいな聞き方を、次の時にはトライしてみたいです。
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