Many motorists wondered whether it was possible to calculate the cost of compulsory insurance for their car, in other words, the cost of OSAGO. It is advisable to calculate this amount before concluding a contract with an insurance company in order to determine how much of the insurance premium can be calculated.
It is necessary
Calculator, Internet access
Instructions
Step 1
Determine the base tariff rate (TB). It must be remembered that it has its own for different types of vehicles. If the car is category "B", usually the owners are individuals, TB = 1980 rubles. If a private car is used as a taxi, TB = 2965 rubles. Such a significant difference is explained by the fact that motorists who earn money as a cab driver are more likely to have an accident.
Step 2
Calculate the coefficient of the territory. In the next step of calculating the cost of OSAGO, the coefficient of the territory (Kt) is calculated. This coefficient determines the place of residence of the car owner. Each settlement has its own CT. For example, Кт = 2 is assigned to Moscow, for Yekaterinburg Кт = 1, 3. The coefficient for your city can be found in the special table Кт.
Step 3
Determine the number of drivers Next, determine how many drivers will operate the vehicle. To account for drivers allowed to drive a car, a coefficient (Co) has been introduced, which has the following meanings:
- if one, then Ko = 1, 0;
- if more than one (for example, family members) - Ko = 1, 7.
Step 4
Determine the cost of the insurance policy. The next parameter that must be calculated to determine the cost of the insurance policy is the coefficient that determines the age and experience of drivers (Kvs). Four variants of the value of this coefficient have been introduced:
- if the age of the motorist is less than 22 years old and the experience is less than three years - Kvs = 1, 7;
- moreover, the driver's age, but the experience of driving a car for more than three years - Kvs = 1, 3;
- if the age of the motorist is more than 22 years old and the driving experience is less than three years - Kvs = 1, 5;
- if the driving experience is more than three years, and the age is more than three years Kvs = 1, 0.
Step 5
Determine the engine power. Next, the coefficient (Km) is determined, depending on the engine power (P), which is calculated in horsepower. Km has the following meanings;
- R up to 50 HP, Km = 0, 6;
- P from 51 to 70, Km = 0.9;
- P from 71 to 100, Km = 1;
- P from 101 to 120, Km = 1, 2;
- P from 121 to 150, Km = 1, 4;
- P from 151 and above, Km = 1, 6.
Step 6
Determine the Crash Driving Ratio - And the last factor that needs to be determined is the Crash Reward Ratio (Kbm). To determine the Kbm, there is a so-called line of insurance classes. When insuring in the first year, the third class of insurance is assigned, it corresponds to Kbm = 1. For each year of accident-free driving, the class increases by one, respectively, Kbm decreases by 5%. The highest class is 13, it corresponds to Kbm = 0, 5. Otherwise, if you become a participant in an accident due to inept driving, the insurance class decreases, and Kbm increases, its maximum value is 2.45. special table of "bonus-malus" coefficients.
Step 7
Calculate the total cost of car insurance. At the last stage of calculating the cost of OSAGO, to simplify the calculations, it is assumed that the insurance contract is signed for one year. And as a result, the cost of insurance is calculated by multiplying all the previously calculated parameters.
