How much does the car insurance cost? Where to apply for car insurance

Buying a car is always a pleasant thing, and it does not matter what kind of car this account is. But you do not need to limit your purchase of a car, you also need to arrange insurance.

This will help the owner of the vehicleto save your nerves and money in case of emergency, harming someone else's or your car. How much does the car insurance cost? It depends on many factors and first of all on what insurance policy you acquire: OSAGO or CASCO. Also the cost of the policy is affected by the driver's experience, and accident-free, and age, and so on and so on. Where to make insurance for the car? Certainly, in an insurance company, having visited her personally or by inviting an insurance agent at home. However, it is not necessary to be limited only to the superficial information, it is necessary to learn more and more in detail.

Why do I need an insurance policy?

Insurance for the car is necessary in order topartially or completely compensate the monetary expenses of the owner of the vehicle in the event of an emergency on the road. If the policy of OSAGO at the owner of the car, through the fault of which there was an accident, was not, then the cost of repair work he will have to pay out of his own pocket. And there are few cases when the repair costs the same as the insurance for the car. And who will pay for the repair of your own car, depends on whether you have issued a policy of insurance in the insurance company.

It is worth explaining what is OSAGO and CASCO, and how they differ from each other.

MTPL and CASCO

So, OSAGO is compulsory insurancecivil liability. The conditions of insurance mean payment to the driver who suffered through the fault of the insured in the traffic accident. At the same time in 2015, the maximum payment for repairing a car is 400 thousand rubles, and the maximum payment aimed at compensating damage to human health - 500 thousand rubles. In this case, the repair of your own car is made at the expense of personal money. To have the MTPL policy is a mandatory requirement, failure of which entails a fine of 800 rubles. And in case of repeated violation, the registration numbers are removed.

CASCO - comprehensive car insurance exceptresponsibility. If you have such a policy, you can safely forget about the costs of your car, related to insurance cases. Among them: an accident, a scratch, car theft, removal of wheels, broken glass and stuff-other. Compensation can be calculated even if the damage was not caused in the course of an accident involving another owner, but also through personal guilt, such as entering a fence or a tree. CASCO - pleasure is not cheap, but in case of causing damage, he will boldly pay for itself. How much does the car insurance cost? This information is below.

Cost of an insurance policy

The cost of CASCO is determined by each companyindividually, at own tariffs and is not regulated by the state. Basically, the cost of such an insurance policy depends on the year of release of the machine, from the one who has the right to control, from the presence of an anti-theft system.

Well, the main factor determining the cost of insurance is the price of the car.

Cost of insurance policy of OSAGO

The cost of the MTPL policy is regulated by the Federal Act on MTPL and is controlled by the Central Bank of the Russian Federation. The cost of the policy is influenced by the following factors or, as they are called, the coefficients:
- base rate (regulated by insurancethe company independently, but can not exceed the rate established by law, as of June 2015, the maximum base rate is 4,118 rubles);
- type of vehicle;
- power of the car in horsepower;
- the territory of the primary use of the vehicle (determined at the place of residence of the owner);
- term of insurance (from 3 months to one year);
- how many drivers will be inscribed in the insurance (limited or unlimited number);
- age, experience of drivers who have the right to drive a vehicle;
- class bonus-malus, assigned to the driver for accident-free driving.

Now, each driver will know how much the car insurance costs.

Where to make insurance?

On the car you can arrange an insurance policy in anyinsurance company. Their choice is now quite large. You can preliminarily visit the office of each company in order for you to calculate the exact amount and choose the most attractive for you. It is also necessary to find out the testimonials, especially as regards the payment of insurance cases. Some companies have a negative rating, since in the event of an accident they do not pay the due amount, or the expectation of payments lasts for months.

Many owners of vehicles, choosingthe company for the first time, remain there for many years. Units move to another company, perhaps this is due to the opinion that the insured during the transition from one insurance to another loses a discount. This is a huge misconception. The discount does not depend on where the owner of the car last made out insurance. The discount is awarded for accident-free driving. Each plus - five percent discount. This is important to know.

What documents do I need to have with me?

In order to arrange insurance for the car, you must submit the following documents.

1. Documents for the car. It can be either a certificate of vehicle registration (CTC) or a vehicle passport (PTA).

2. Documents certifying the identity of the owner. Mostly it is a passport of a citizen of the Russian Federation.

3. It is also necessary to have a diagnostic map confirming the passage of the vehicle's technical inspection. The card must be valid at the time of registration of the insurance policy.

Most often, both the vehicle inspection and the OSAGO policy are drawn up inone day, but if the owner draws up the insurance with the resulting vehicle inspection, then in the near future he will need to undergo an inspection. This is a very important factor for awarding payments in the event of an accident. There are many factors on which the insurance company can refuse to pay, but basically it is illegal. Therefore, drivers create their own rating of insurers.

Rating of insurance companies

There is a so-called rating of companies inwhich was issued insurance for the car. Rosgosstrakh, Energogarant, MSK, SOGAZ and other companies, of course, want to take a leading position in the insurance market, but not everyone succeeds. For a long time, the rating of Rosgosstrakh was at a high level, but recently it has become increasingly frequent to hear negative comments about it.

At present, AlfaStrakhovanie occupies the leading place in the reliability rating, Ingosstrakh is on the second place, and Renaissance Insurance is on the fifth place.

Reviews about insurance companies

Many reviews can be found by contacting the aviddrivers. Many of them already know where and what pitfalls they can wait for. For example, some companies compulsorily draw up an additional life insurance policy from an accident. Its cost reaches one thousand rubles. Insurers may not even say why they take extra money, but only specify a finite amount. Therefore it is very important to understand what you are paying for. Remember: imposing additional insurance without your voluntary consent is illegal!

It is not important to possess all the information stated.only novice drivers, but also experienced motorists. Insurance of the car, OSAGO, CASCO, payments - everything must be understood in order to avoid fraud on the part of insurance companies.