Where is the best place to insure a car?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

When purchasing a vehicle, everyone expects that no trouble will happen. But, unfortunately, a traffic accident can happen to anyone. Protecting yourself or your car from this is almost impossible. But you can protect yourself from possible financial costs with the help of auto insurance. Everyone should know how to insure a car and where is the best place to do it.

Compulsory insurance

This is a type of insurance that implies the responsibility of the driver to other participants in the traffic accident. If the owner of the car is to blame for the accident, he can be sure that third-party payments will be covered by OSAGO. This type of insurance is mandatory and is issued by drivers regardless of the car model. Often the driver is not prepared for an accident and does not have the financial ability to cover the costs of another participant in the accident. This is not a problem if you managed to insure the car in a timely manner. OSAGO usually covers all costs, and the participants in the accident manage to quickly repair their vehicles.

Previously there were severaloptions for issuing OSAGO policies. Everything changed when powers of attorney for driving someone else's vehicle were no longer required. Only the first type of policy remained. It includes insurance for any driver who legally drives a vehicle.

How much does compulsory insurance cost?

Owners of different vehicles will not be able to insure a car at the same cost. OSAGO offer to issue insurance companies for cars of any brand. The cost of the policy will depend on several factors. First of all, the year of manufacture of the car is taken into account. The older the vehicle, the greater the likelihood of an accident due to any malfunction. Therefore, the insurance policy may cost more.

Regardless of which company you are going to insure the car with, the price of the policy will also depend on the driving experience. The power of the motor is also taken into account. The less experience and the larger the car, the more expensive the policy will cost. The place of registration also matters. In places where car traffic is less active, it will be possible to obtain insurance much cheaper.

Should I pay attention to low prices?

Never forget that free cheese is only in a mousetrap. Many insurance companies that have been on the market for only a few years offer to issue a policy at a reduced price. However, there is no guarantee that the organization will actually cover the costs in the event ofemergency. Preference should be given to companies that have been operating for at least 10 years. They will offer to insure the car at a higher cost. At the same time, the client can be sure that in the event of an accident, financial costs will not await him.

Insurance companies that have already managed to win the trust of customers periodically organize promotions and issue accumulative cards. Thanks to this, you can purchase an OSAGO policy at a lower cost.

Does everyone have to insure a car?

CMTPL policy is mandatory today. There are only a number of exceptions. Participants in hostilities, disabled people of the first group who personally drive their car are completely exempted from insurance of their own vehicle. As well as persons who drive the car of the disabled in their presence. In the event of a traffic accident, all payments are covered by the motor and transport bureau. An exception is when a third party is responsible for the accident. Then it is the culprit who assumes the obligation to cover all costs.

There are also a number of cases where drivers have the right to insure a car by paying only 50% of the cost of the policy. Pensioners, persons who took part in the liquidation of the Chernobyl disaster, disabled people of the second group, as well as participants in the war, have such an opportunity. It is worth noting that the listed persons cannot always insure a car at a discount. Apply for a policyis possible only if the engine capacity of the vehicle is up to 2500 cubic meters. see If the car does not meet these parameters, you will have to pay 100% of the cost of the policy.

Voluntary insurance

Voluntary insurance is also common today. Despite the presence of a compulsory form, many seek to insure a car in this way. Casco allows you to protect the driver from theft or damage to the vehicle. In addition, everyone can insure their lives from death as a result of an accident. In this case, the insurance payments will be received by relatives.

Insurance under the Casco program can be full and partial. You can issue a policy that will include all risks. Or insure a car without life insurance. In addition, the program offers to issue a policy for the equipment that is installed in the vehicle. If it is stolen, the driver will receive a full refund.

Is it worth it to issue a full casco?

No matter where you insure your car, it is worth choosing a policy that will represent the best value for money. The problem is that many items of the full casco are absolutely useless. For the issuance of the same policy will have to pay at least 10,000 rubles. In this case, the insurance is issued only for a year. If you exclude such items as theft of a vehicle or theft of equipment from a car, you will be able to save significantly. The cost of the policy will be about 5,000 rubles.

Manyvehicle owners have a good garage and a reliable alarm system. Therefore, the likelihood of car theft is minimized. So it is not advisable to overpay annually for a full Casco policy. The insurance contract should include such basic items as damage to the car and participation in an accident.

Where to insure a car?

The company with which the contract will be concluded must be chosen very carefully. Before applying for a policy, you should pay attention to the various offers of the market. Preference should be given to companies that offer insurance services for more than 5 years. There are several criteria that will help to more thoroughly assess the reliability of the company. First of all, you should pay attention to the presence of permanent partners. If large organizations draw up an insurance contract in the same place for many years, this is a good indicator.

Before you decide where to insure a car (OSAGO), you should pay attention to the prices of various companies. The cheapest offers should not be given attention. Most likely, in this way the insurance company is trying to attract customers. There is no guarantee that payments under the contract will actually be made. The middle price segment is the best choice.

Below are a few companies that are popular with car owners.

Insurance company "TAS"

Today, TAS insurance group is in the top 10 leaders in car insurance. Worksthe company not only in Russia, but also in other CIS countries for more than 15 years. The insurance group consistently shows good financial results, and drivers receive payments under their contracts on time.

Reliability of cooperation with the company is guaranteed by the authorized capital. In addition, there is a scheme for reinsurance of the main risks. The world's leading reinsurers cooperate with TAS. The cost of OSAGO policies starts from 2000 rubles.

Rosgosstrakh

The largest insurance company in Russia, which provides a huge range of services. Car insurance under the hull and OSAGO programs is no exception. Many today no longer have the question of where you can insure a car. Drivers have long preferred Rosgosstrakh.

In 2015, the rating agency "Expert RA" was able to once again confirm the reliability rating of the insurance company. Therefore, anyone can enter into an agreement with her without hindrance. All payments in the event of a traffic accident will be guaranteed. Insurance in Rosgosstrakh is also chosen by many due to the large number of points of sale throughout the country. You can get a policy even in the smallest settlement. A representative of the company will always tell you about the features of a particular insurance product and help you make the right choice.

Ingosstrakh

Reliable insurance company, which is in the top tenthe most popular agents of Russia. In 2005, she took first place in the collection of insurance premiums among numerous participants. This insurance agent is the most media active. He is always mentioned in the press and on television. Thanks to this, the number of signed contracts is increasing every year.

Since 2004, Ingosstrakh has also started working on the markets of Ukraine and Belarus. As a result, the number of customers has increased significantly. The company offers not only traditional, but also exclusive types of insurance. For a moderate cost, you can insure not only the vehicle, but also all its contents separately. For a traditional policy, you will have to pay at least 3,000 rubles. It is possible to purchase a hull or OSAGO insurance policy. Additionally, you can insure the life and he alth of children.