Motor insurance under the CASCO program is gaining more and more popularity every day. And the more drivers are faced with car insurance, the more they want to save.
Before thinking about savings when buying a policy, it would be logical to find out its approximate cost. Paradox, but many still do not know , do not represent the existence of special calculators that will provide information on the cost of insurance much faster than any of the insurance agents.
Online tools for calculating the cost of insurance today can be used on any website of the insurance company. But there is also a special kind of calculators that allows you to evaluate the cost of the policy at once in several companies. Based on these data, an insurer is often selected.
Now let's talk about the main factors affecting the cost of an insurance policy. First of all, the rate depends on the market value of your car: the higher it is, the more expensive the insurance. Some "comrades" knowingly overstate the value of their iron horse, hoping in case of an insured event to grab a big jackpot. They probably forget that they have a good chance to overpay. In addition, if such a scam is discovered, the insurance company has the right to accuse the negligent client of fraud and make a payment, the amount of which will not exceed the market value of the car.
The second most important factor is the age of the driver. Almost all insurers use increasing ratios for people under 21-22 years of age or who have exceeded the threshold of 65 years. Along with the age of the car owner, his driving experience is also taken into account. The more it is, and the flawless the history of driving, the lower the cost of CASCO. It is important to consider that in the case when several drivers are allowed to the vehicle, the worst age data is taken into account.
Less significant factors:
- wear of spare parts;
- the presence of an alarm;
- franchise application;
- insurance registration region, etc.
Speaking of auto insurance, one can not say a few words about compulsory motor liability insurance. as simple as hull insurance. In addition, CTP has a much smaller number of factors affecting its value, and the tariffs in different insurance companies are the same, since they are set by the state.