New Car?

Who has car he/she knows that the time is only good for a thing, to do with that the price of market of the vehicle lowers, and the maintenance cost increases. After all, the repairs become more frequent, and larger, what ends up weighing in its budget.
To understand the increase in the maintenance expenses seems easy, but the same is not applied to the increase of the expenses with the insurance of the car. How to explain that a car that loses value to every year, suffers increase in the insurance? After all, the insurance is not good to restore the car in case of total loss or do I rob?
Replacement drops, but repair is more expensive although the reasoning above seems quite logical he is I fail, therefore it considers that the insurance is just good for the replacement of the vehicle, whose I cost evidently it drops with passing of the time.
It is necessary to remind that in most of the cases the insurance has as objective the repair of the vehicle that was white of accident, and it is there that part of the problem resides. The repair of the vehicle demands the use of new pieces, whose prices arise much more than the price of the own vehicle zero km.
In 2004, the Public Ministry entered with action against some of the largest assemblers of the country, alleging abuse in the determination of the prices of the pieces avulsas. The request would have if based on study that verified that to set up a new car buying piece for piece it costs eight times more than to buy a vehicle zero km. It is worth to stand out that the difference just reflects the high cost of the new pieces, since they were not embedded in the calculation the expenses with work hand, funilaria and painting in the assembly.
Why are the pieces expensive? Here it is important to remind that leaves of the cost of the pieces he/she is due to the fact that the same ones finish oneradas for the tax in cascade that happens in its productive chain that is going of the maker to the assembler and of there for the concessionary and only then for the final consumer.
The high cost of the pieces ends up feeding the industry of the crime, since the robbery of vehicles, above all used them, for it dismounts it grows. And it is exactly this cycle that explains the reason of the increase of the cost of the insurances of used cars. The high repair cost was not enough, that elapses of the high cost of the new pieces, the increase of the thefts for it dismounts it ends up implying in larger risk for the insurance company.
Thefts encarecem safe Risk this that can be verified in the rate of sinistralidade of the insurances of solemnities, that in January it was of 64%. Translating, for each R$ 1,00 in sales of insurances the insurance companies spend R$ 0,64 on the average with the payment of compensations. As larger the incidence of thefts and robberies, larger this rate, and larger, therefore, the cost of the insurance.
Before this context, many drivers opt for not holding its vehicles used with more than five years. Even so, in the practice, what happens it is that when he/she needs to repair the vehicle, they don't have as arcar with the high cost of the new pieces and the car ends being abandoned.
The economy that does in not hiring insurance finishes it costing more expensive, because doesn't tend money to pay for the pieces, the driver indeed faces an equivalent situation to the one of total loss. To worsen the situation many times the car it is financed, so that not even it is possible to sell the vehicle, because the ownership doesn't belong it. Front to this situation happens many irregular transfers of vehicles, what only contributes to worsen the situation of this market segment.