FinanceInsurance

Where is it better to insure the car?

Buying a vehicle, everyone expects that no trouble will occur. But, unfortunately, a traffic accident can happen to anyone. Protect yourself or your car from this is almost impossible. But to be safe from possible financial costs can be with the help of auto insurance. Everyone should know how to insure the car and where to do it better.

Compulsory insurance

This type of insurance, which implies the responsibility of the driver to other participants in the traffic accident. If the owner of the car himself is to blame for the accident, he can be sure that payments to third parties will cover OSAGO. This type of insurance is mandatory and issued by drivers regardless of the model of the car. Often the driver is not ready 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 time. MTPL usually covers all expenses, and the participants of the accident manage to quickly repair their vehicles.

Previously, there were several options for the formulation of policies of OSAGO. Everything changed when the power of attorney for managing another's vehicle ceased to be in demand. There was only the first type of policy. It implies the insurance of any driver who lawfully drives a vehicle.

How much is compulsory insurance?

Owners of different vehicles will not be able to insure the car at the same cost. OSAGO offer to arrange insurance companies for cars of any brands. The cost of the policy will depend on several factors. First of all, the year of manufacture of the car takes into account. The older the vehicle, the greater the probability of an accident due to any malfunction. Therefore, an insurance policy can cost more.

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

Should I pay attention to low prices?

Never forget that free cheese is only in a mousetrap. Many insurance companies that exist on the market only a few years, offer to issue a policy at a reduced price. At the same time, there are no guarantees that the organization will really cover the costs in the event of an emergency. Preference should be given to companies that have been working for at least 10 years. They will offer to insure the car at a higher cost. In this case, the client can be sure that in the event of an accident, financial costs will not wait for him.

Insurance companies that have already managed to win the trust of customers periodically arrange shares and issue memory cards. Due to this, it is possible to purchase a MTPL policy at a lower cost.

Does everyone have to insure the car?

The policy of compulsory motor TPL insurance is mandatory today. There are only a few exceptions. Fully exempt from the insurance of their own vehicle combatants, disabled first group, personally managing their car. And also persons who operate a disabled car in their presence. In the event of a traffic accident, all payments are made by the motor transport bureau. Exceptions are cases where the culprit of the accident is a third party. Then the culprit assumes the obligation to cover all expenses.

There are also a number of cases where drivers have the right to insure the car, paying only 50% of the cost of the policy. This option is available to pensioners, persons who participated in the liquidation of the Chernobyl disaster, the disabled of the second group, as well as the participants in the war. It is worth noting that the listed individuals can not always insure the car at a discount. You can issue a policy only if the vehicle's engine capacity is up to 2500 cubic meters. See If the machine 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 existence of a forced form, many are trying to insure the car in this way. Casco allows you to protect the driver from theft or damage to the vehicle. In addition, everyone can insure his life from death as a result of an accident. In this case, the insurance payments will be paid to relatives.

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

Should I complete a full hull?

Regardless of where to insure the car, it is worth choosing a policy that will represent the optimal ratio of price and quality. The problem is that many items of the full hull are absolutely useless. For the registration of the same policy will have to pay at least 10,000 rubles. In this insurance is issued for only one year. If you exclude items such as hijacking a vehicle or stealing equipment from a car, you will be able to save significantly. The cost of the policy is about 5000 rubles.

Many owners of vehicles have a good garage and reliable signaling. Therefore the probability of car theft is reduced to a minimum. So it is not advisable to overpay annually for a full hull policy. The insurance contract should include such basic points as damage to the car and participation in an accident.

Where to insure the car?

The company with which the contract will be concluded, it is necessary to choose very carefully. Before you formalize a policy, it is worth paying attention to various market offers. Preference should be given to firms that offer insurance services for more than 5 years. There are several criteria that will help to evaluate the reliability of the company more thoroughly. First of all, it is worth paying attention to the existence of regular partners. If large organizations make out an insurance contract in the same place for many years - this is a good indicator.

Before deciding where to insure the car (OSAGO), it is worth paying attention to the prices of various companies. The cheapest offers should not be given attention. Most likely, thus the insurance company is trying to attract customers. There is no guarantee that payments under the contract will be actually implemented. The average price segment is the best choice.

Below, we will present several companies that are popular with car owners.

Insurance company "TAS"

Today, the insurance group "TAS" is among the top 10 leaders of automobile insurance. The company operates not only in Russia, but also in other CIS countries for more than 15 years. The insurance group is consistently showing good financial results, and drivers receive timely payments on their contracts.

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

Rosgosstrakh

The largest insurance company in Russia, which provides a huge range of services. The insurance of motor vehicles under the programs of motor insurance and motor third party liability insurance is not an exception. Many today no longer have a question about where you can insure the car. Drivers have long preferred the company Rosgosstrakh.

In 2015, the rating agency Expert RA could once again confirm the reliability rating of the insurance company. Therefore, everyone can freely conclude an agreement with her. All payments in case of an accident will be guaranteed. Insurance in Rosgosstrakh is also chosen by a large number of outlets throughout the country. You can apply for a policy even in the smallest settlement. A representative of the company will always tell you about the features of this or that insurance product and help you decide on the choice.

Ingosstrakh

A reliable insurance company, which is among the ten most popular agents of Russia. In 2005, I took first place in the collection of insurance premiums among numerous participants. This insurance agent is the most media-active. It is always mentioned in the press and on television. Thanks to this, the number of signed contracts increases every year.

Since 2004, Ingosstrakh has started to work in the markets of Ukraine and Belarus. Thanks to this, the number of clients was significantly increased. The company offers not only traditional, but also exclusive types of insurance. For a moderate cost, you can insure not only the vehicle, but all of its contents separately. For a traditional policy, you will have to pay at least 3000 rubles. There is an opportunity to purchase an insurance policy of motor third party liability insurance or OSAGO. Additionally, you can insure the life and health of children.

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