Before registering comprehensive insurance for your car, you should analyze the comprehensive insurance rates that are offered on the modern car insurance market in order to use the services of the company where the price will be minimal.
Instructions
Step 1
Vehicle owners must insure their liability in road traffic. Only voluntary motor casco insurance protects. The price of comprehensive insurance today differs significantly from different insurers. It happens that under a similar program in one insurance company you can buy a comprehensive hull insurance twice as cheap as in another company.
You should be aware that the price of comprehensive insurance depends on the brand and features of the car's operation, as well as on the insurance company. When determining the price of car insurance for hull insurance, a certain percentage of the cost of the car itself is taken. Before choosing conditions that are attractive for you, you need to clarify your percentage, because it is not the same for different cars: for trucks 3%, for used cars up to 14%.
Step 2
In our country, any car can be stolen from anyone, so find out the dependence of the% on hull insurance on the degree of car theft. For example, according to statistics, every second Audi A6 is stolen. The risk group also includes the Passat and Volkswagens Golf, Niva, Dozens, etc.
Many companies define the risk group based on the cost of the car, which is logical on the one hand, but on the other hand, from the point of view of establishing the "risk" (the probability of an insured event), it is not justified.
Step 3
In addition, it is necessary to inquire whether the% for hull insurance depends on the "age" of the car "and, accordingly, will pay for repair / replacement of spare parts as for new parts, or as for used ones.
Step 4
Also try to find out whether the age and experience of the driver affects the price of car insurance. For advertising purposes, some companies offer discounts to car owners with children, or vice versa, if a woman is driving, then they use increasing coefficients.
Considering all the above tips, you can calculate the cost of your car's comprehensive insurance already when filling out the questionnaire, and by comparing the rates, you will choose the most acceptable option for yourself.
