Currently, about 150 companies in Russia offer car insurance services. At the same time 50% of the total market covers the twenty largest insurers. In such a situation, there are objective difficulties with the choice of the insurance company, which will not deceive and offer favorable rates. We will talk about how to insure a car in this article.

Content

• 1 Features of choice
• 2 How much does it cost to insure a car
  • 2.1 CTP contract (autocitizen)
  • 2.2 CASCO insurance contract
• 3 How cheaper to make a policy

Selection features

В процессе поиска информации для решения вопроса, where to insure the car, большое значение имеет не реклама, а надежность и положительная репутация страховщика. Такие характеристики присущи именно крупным компаниям. В первую тридцатку списка самых крупных и стабильных компаний, предоставляющих услуги автострахования, вошли 15 российских страховщиков, которые смогли добиться высокого уровня доверия со стороны клиентов.

Choosing an insurer should focus primarily on the reputation of the company.

According to the statistics of the National Rating Agency, the leaders in reliability are the companies Rosgosstrakh and RESO-Garantia. You can use the data of this study or the rating of the Expert RA agency for registration of the MTPL or CASCO policy. According to the results obtained by him, the companies with the best level of reliability are: SOGAZ, Ingosstrakh and MAKS.

In order to finally understand where to insure a car, you should pay attention to the other competitors who are in the rating of reliability. Among them are companies:

• Uralsib;
• "Spassky Gate";
• "MSK-Standard" (before the company was called "Standard Reserve");
• ROSNO;
• Renaissance Insurance;
• Ugoria (headquartered in Khanty-Mansiysk);
• "National Insurance Group";
• Energogarant;
• "Consent";
• Russky Mir (head office is located in St. Petersburg).

Large insurers often have their office not only in Moscow, but also a whole network of representative offices in all regions of Russia. Therefore, the owner of the car can choose among several alternative options.

It’s not a problem if there is a need to insure a car in a certain region. For example, the company "Rosgosstrakh" has a significant network of branches. In terms of coverage, you can compare it with the Post of the Russian Federation or Sberbank. Branches of this insurance company work in any region of Russia. They provide a full range of auto insurance services.

See also: How to deregister a car without a car

How much does it cost to insure a car

The cost of the policy depends on many factors that the insurer itself can directly influence. The calculation of the amount of insurance payment is made either at the company's office or independently on the website of a certain insurer. In any case, more complete and accurate information can be obtained in the branch.

Factors for calculating the cost of insurance

CTP contract (autocitizen)

OSAGO is a mandatory type of insurance that must be issued to any vehicle. The current tariffs are approved by the state, therefore the cost of the policy is the same for all insurers. The price differs depending on the region of operation of the vehicle, its power, etc. And even in such conditions it is possible to save money. Leading insurance companies very often offer big discounts on hull insurance when buying a CTP policy.

CASCO insurance contract

The cost of CASCO insurance services is determined by the following factors:

• driving experience of the car owner;
• region of use of the vehicle;
• machine engine power;
• the amount of insurance claims for previous periods.

CASCO contract covers damage caused by theft or accident. Usually the cost of a hull insurance is approximately equal to 10% of the market price of the car. It is worth noting that the insurance of an old car will cost a bit more expensive, since at the moment of occurrence of the insured event, the worn parts will be replaced with new parts.

The cost of an OSAGO policy is regulated by the state, so prices for it are the same for all insurers

How cheaper to make a policy

There is no concrete answer to this question, because many factors affect the final cost of an insurance contract. Very often, customers of insurance companies are asked to issue a policy on the economy version. Some insurers may actually offer partial payment or a breakdown of the payment. The client chooses the set of options he needs. In this case, the final cost of insurance is significantly reduced. If you have significant driving experience and a long experience of trouble-free driving, then you can safely ask for a discount. Many firms will agree to provide it, which will further reduce the cost of insurance.

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Of course, the final decision on the choice of the company for registration of the CTP policy and CASCO is yours. In this case, contacting an insurance company with an excellent reputation can significantly save time, finances and nerves, as well as get really high-quality service.