CASCO

The cost of motor CASCO insurance is made up of many factors, the main ones being the technical characteristics of your car and your personal data as a driver, including your driving experience, your road accident record, the number of traffic violations, if any, and the number of people entitled to drive your car.

Accordingly, the more expensive your car, the higher the insurance will be; however, its excellent technical condition and low mileage can be a big plus. Moreover, insurance prices for foreign and domestic cars differ considerably. In any case, the better the condition of your car, the lower the cost of insuring it.

Apart from the car's technical condition, the cost of insurance is influenced by your driving skills and responsibility on the road. The longer your driving experience, the lower the insurance price; the fewer accidents you have been involved in — and, very importantly, the fewer caused by you — the lower the cost of insurance. Conversely, the price will only go up.

Motor CASCO calculator

To calculate the cost of motor CASCO insurance accurately, there is a special summary table of the factors affecting the policy price and their corresponding coefficients. Using this system, you can easily work out how much you will need to take out a policy — without even leaving your home.

The undeniable advantage of this system is that it is completely transparent even to people using it for the first time.

What affects the cost of motor CASCO

Insurance company

The insurance market in Russia features many companies. The hardest thing for a car owner is to choose one that, firstly, offers the most favourable insurance rate and, secondly, is reliable and reputable.

As for rates, you need to calculate the cost of motor CASCO at different companies and compare the results. Calculating motor CASCO online will take just a few minutes if you use the calculator on the website. The reliability of an insurance company should be judged by its position in ratings and by customer reviews.

Type of cover

The cost of the policy depends on which type of cover you prefer — “full” or “partial”. The first option is naturally more expensive.

The client's “driving history”

It's simple: the less often a car owner is involved in accidents, the bigger the discount they can expect. Conversely, drivers who are not very careful on the road will have to pay the full price when buying an insurance policy, because insurance companies often have to compensate for damage caused by them.

Type of vehicle

The more luxurious your car, the more you will have to pay to insure it. This is because, in the event of damage, the insurance company will have to pay out a larger amount than to the owner of a used domestic car. In addition, luxury cars top the car theft statistics.

How to save on car insurance?

The simplest option is to use the services of an insurance agent or broker from the association's registry. Your personal insurance consultant will select the most favourable rate for you by comparing the terms offered by different companies. In addition, they will be sure to tell you about the discounts these companies offer.