How to buy the cheapest OSAGO in 2017?
When buying insurance OSAGO, every motorist always tries to save, and some even choose a vehicle with an eye on the estimated cost of a car citizen.
There are several options to reduce the cost of an insurance premium, but nevertheless, in 2017, cheaper all OSAGO policies from little-known insurance companies.
How to calculate the value of an insurance contract?
The state has developed a number of coefficients that can be applied to certain information about the car owner and his car.
The main parameter is the volume of the power unit and the number of “horses”. Among other criteria which can affect the cost of auto insurance, it is necessary to note:
– the experience of a motorist, which depends on his age and on when he obtained his driving license;
– non-emergency driving time. If the driver has not been in an accident during several years, then a reduced coefficient may be applied to him;
– frequency of violations of DD rules and fines. As a frequent offender, a motorist may, when calculating insurance, receive a higher coefficient, which, accordingly, will increase the cost of the policy;
– territorial attachment. If a city in which the insured large is put into account, then auto insurance OSAGO will become more expensive;
– seasonality. In this case, it is cheaper to insure a car if it is not planned to ride all year round. Seasonal car insurance will cost the owner of the vehicle much cheaper.
– Limited number of drivers. In the event that the owner of the vehicle plans to ride alone, then it is possible to arrange insurance for a limited number of drivers, since in this case it will be much cheaper;
– since the auto insurance for the transit of a car is made for a short time, then the price insurance on aggregate days will be a little more expensive than the usual policy.
And how to cheaply issue an auto insurance OSAGO?
The insurer’s most loyal terms of the contract in 2017 will be considered for motorists with a great driving experience and without a high accident rate. For such motorists, the cheapest car insurance is provided.
It is also possible to acquire inexpensive OSAGO in the following ways:
1. Contact someone from friends in a small city and apply for insurance;
2. buy seasonal auto insurance by choosing a period in which the car will not be operated;
3. Insure several machines at once. Insurance companies rarely give concessions to such motorists and give them a good discount.
Useful to know! If the owner of the car has a little driving experience or he often gets in an accident, then he will be assigned higher coefficients. Even if he tries to change the insurer, then in this case the situation for him will not change as the insurance companies exchange information about such clients.
So, if a motorist had a lot of traffic accidents in the past, then in order to correct the situation, he should drive without accidents for at least two years. Some wishing to save, do not ride for a whole year, and then buying insurance OSAGO, return to the original coefficient.
What is important when buying an OSAGO policy?
The main valuation criteria of any insurance company are timely payment of compensation.
Therefore, when choosing an insurer in 2017, the following should be taken into account:
– The company has a license. The motorist can find all the necessary information on the Internet. Firms that do not systematically pay or compensate for customers, licenses are simply deprived;
– The state of the insurer in the trade union. Each country has its own professional unions for insurance companies, and our country is not an exception;
– a network of representative offices. The right choice will be such an insurance organization, which has offices in different cities. This is very important for those who often travel around the country.
After almost 2 times the increase in the base rate in 2015, fraudsters became more active in the auto insurance market. They acted, as a rule, through “purchased” agents.
To avoid mistakes, any strangeness should be taken into account:
– calls from the insurance company with a proposal to extend the term of the insurance contract;
– offers to meet outside the office of the firm. Such “actors”, as a rule, are represented by independent agents and show a fake license;
– Highly understated OSAGO insurance for no reason should also be alert, because the cheap policy on the car is not always good.