What do we check for insurance? Nasampered, so that the payment was made - quickly and without any problems, so that it’s closer to the house, and even more quickly, so that a representative of the company came for all the formalities right to us in the office or when we got home at a good hour for us, well, the price of the service is extremely important, even nothing vodchutnogo - vodchutnogo, krim garny form policy, we otrimuemo natomist. How to save money on the insurance money, how, how do we support everything, we don’t need it? There are a few ways, knowing about how you can speed up your vitrati.
1 . The presence of the garnoy of "insurance history". Save policies and contracts for all periods of insurance, even if the visibility of the insurance history, especially without wires, gives the right to a reduction from 3% to 10%, for example, the tariffs for OSATsV by legislation have laid down a reduction for wire-free travel - 5% for the first time insurance % for 2 years without an accident.
2. Franchising. Franchise - that part of the beat, as the insurance company pays. When a policy is issued with a victorious franchise, the insurance reduction becomes from 5 to 40%. The greater the value of the installed franchise, the more significant reduction can be taken. However, don’t hurry - it’s better to call everyone: save money on insurance in this way - even if you can’t go back to the insurance company for a payment, but take it on yourself. On the other side, it’s even more convenient, even if you have other expenses, you can avoid buying formalities that are connected with the paperwork in the insurance case, and deal with the problem independently, and even because of the great hustle, with such a family budget, you can’t hit it on your own, - ask help with the insurance company.
3. rose stitching. A lot of insurance companies give a discount from 2% to 5% per hour of payment of the policy as a whole per hour of laying down the insurance contract. Vono and zrozumilo: even if it's a risk - the client asks for a line and does not pay a black deposit, the insurance company spends a cash deposit, and here - all and again! Standard type of stitching - or two payments of 50% leather, or quarterly stitching on chotiri equal payments of 25% of the total cost of the policy. The rose stitching allows even if you don’t spare, then you can redeem it at the hour, which is important and hourly for the family budget. Some insurance companies give their clients the opportunity to pay a contribution to the premium without aggravating the additional contribution, so in this case, it is important for the client not to forget to make an hourly payment, because the policy will be canceled by the insurance company.
4. Installed zabiv zakhistu. Dodatkovy zakhist can't be wounded, and as an insurance company is convinced that you value your own mine and can take care of it, you will be given an obligatory bribe. You can change the insurance company from your accurate vіdnoshennosti to vlastinosti if you have shown the turbot about the prices, for example - install a modern anti-aging system on the car, add a yakіsnu winter gum, put the video warning system in the apartment above the doors. For an hour I look around the object of insurance, the representative of the insurance company obov'yazkovo brutally respect for qі nuances that proponuє sparing gospodarevi deserved znizhku.
5 . Experience and years of experience with car insurance. When insuring a car, the driving experience plays a great role. If you are in the middle of the water, if you sit behind the insurance policy of an insured car, everyone is older than 22 years and may have been cared for by a car for over 2 years - you can boldly reschedule that the policy is cheaper, lower for newcomers.
6 . Select the transfer of risks. You can see the risks that you are especially afraid of and insure yourself. For example, do not insure a stolen car, but only protect it after an accident. But in this case, the reduction in the warehouse is not more than 20%, and the anxiety about the possibility of spending will not let you sleep peacefully at night, so this way of saving is possible, not the smartest, even if nobody can know for sure, they threaten our risks.
7 . Search for corporate software. Yakshcho vi є spіvobnik great components, Obov'yazkovo, focusing at his admiral-nosno, middle of the dovgostrovikh partnerships of your insurance compani, Yaka is not tilki organized ilneres. And not only a viable way to protect, but also a sensible way to choose an insurance company, even if the insurance company has accumulated good credit with your company, while the insurance company’s insurance companies, if you pay not guilty, will cause problems, and in different ways!
8. Comprehensive insurance. If you have set yourself up for a method to reduce the cost of insurance, but if you need a policy not only for a car, but also a life insurance policy, or insurance in the event of an unfortunate event, be sure of your insurance company, and you will need a complex of insurance for you Gifts for a post-mortem client can't be bothered! In addition, great companies for the promotion of long-term friendship with their clients include them in the promotion and inform about the appearance of seasonal discounts, special promotions and drawing prizes. You can not only save, but take away gifts for yourself and those close to you.
9. Insurance through the Internet. Modern technologies could not get through the insurance policy - some great insurance companies opened online stores on their official websites, in which you can independently download a catalog of insurance products and choose a policy. A potential client can fill in an online form - submit a statement of the necessary tax bill, after which the consultant of the insurance company sends a commercial proposition. When shook half a half through the izliynta, there is 5-15% of the Vartosti Polis, it is a form of insurance, and such a time is possible for a passage to the insurance, Ajazchichi, when shook insurance through Internet, to be subjected . Please note that it is necessary to prepare the amount of the payment for the payment of the policy, the credit card slips are not accepted by the representatives of the insurance company when visiting the client.
10 . Additional services. Sometimes, with the same variance of the insurance policy in different companies, the client will deduct the same pennies of a different amount of services. Here there is more than basic service, and here there is a full range of malt. The company’s activities for the benefit of customers are to promote additional services to the auto insurance policy - the evacuation of damaged cars, the hiring of an accident commissioner at the place of entry, discount cards for other types of insurance, discounts for repairs and services of the insurance company in technical centers. Even a lot of clients, especially newcomers, give great importance to the services of the emergency commissioner. Without a doubt, the presence of such a service will give us confidence in the fact that, in times of inaccuracies, knowledgeable people will help us. Be ready before the emergency commissars - like Shvidko's doctors of help - were bogged down and didn’t sound too loud, wanting to know for sure how to work in a traffic situation and rightly give real help. Allow insurance companies to introduce a simplified procedure for adjusting traffic insurance for car insurance, which includes the withdrawal of additional documents from DIBDR for the client, an independent transfer of a car to a technical center, and another way to give a car, which is especially important in the winter period.
Ours
Mayte on uvazі, scho іsnuє kіlka іfіchіchnyh vostoіv otshchadіt іn insured. Such ways will not only help you to save your own money, but they will make you nervous, so be respectful and obov'azkovo call on our sakes.
- Nameless discounts for everything. It's a pity that there are still some insurance companies on the market that can offer policies with a 50% discount - it's similar to selling policies through liquidation. Alas, what is good for the retail chain of boutiques, at any time is not suitable for the insurance business. Don’t shy away from such propositions, even if in this mood, the cream of a beautiful policy and obityanok, you definitely don’t take anything away. Be careful when saving on insurance - even if it’s the case, if it’s stingy to pay two girls!
- Reductions in OSACV. An insurance company can give you more than a discount, transferred by proper legislation, so that you can get the OSACV policy at a significantly lower price, then you will be put on such a proposition. However, as in the offices of the insurance company, you were asked for a gift to the policy, don’t be afraid of tricks, with the method of getting clients of a lot of insurance companies to pawn similar charges to your budget.
- Cheap policy from voluntary medical insurance. Buvayut Klinіki, de recording on the Priyom to Likar Zdіsn, the lichen for the special Vizita, the telephone dispatcher of the Vidsutniy - Sami Rosumi, the tru zmennya Kilkosti is the hoby to the rende, the Schoby Tilki was written down on the Priva. the doctor of that day is very small. Doctors of paid clinics - like maistris in technical centers for car repair - to propagate various diagnostics, so that you don’t get sick before your birth, you don’t get sick of the stench, but you happen to pay pennies for them yourself, because in most cases, insurance services are included. The medical policy, promoting as a social package in great companies, as a rule, is only a formality - most of the main reasons for going to the doctor do not cover wines. The first thing I realized is that with an expanded coverage, a robotic supplier risks investing in a valuable specialist who regularly fills the office for a complex of cost-free procedures.
- A cheap policy for insurance of a car against theft of a car. An insurance company may request a lower rate for insurance of a car against theft, but in the event of this, it may be written in the contract that insurance coverage will be paid only in case of theft of a car from a parking lot. Obviously, if you get it, then such a policy is unlikely to protect your interests. The reason for the cheapness of a car insurance policy is that it can be cheaper to repair a car in a garage service, or even with the installation of old spare parts. For a new luxury car, which can be serviced at the service of an official dealer - such a repair is like death. In case of any taxation of unqualified insurance agents, they cannot afford any legal force and in case of an insurance situation, you will lose money from the insurance company, as you will inevitably speed up your right to lower the premium, otherwise you will have to pay the insurance premium.
From the beginning of 2014, the cost of OSATsV insurance is more expensive, and even more so: let’s say, young people who do not have enough water, a Muscovite, like a Ford Focus (115 k.s.), pay 11,000 instead of 8.5,000. Tim more relevant and food - how to protect on insurance?
Tarifi - uphill
Let's guess that the OSACV price increase is due to us in front of the increase in the limit of insurance premiums. So, as before, for the misfortune of a third party, compensation was due in the range of 120 thousand rubles, or 160 thousand rubles per number of victims, now the limit is 400 thousand. Moreover, even before 160,000 were paid as a total boundary, now a sum of up to 400,000 can be paid to the skin of the victims. Of the other "bonuses" - a reduction in the marginal coefficient of wages from 80% to 50%.
Prote tariffs OSACW did not rise. The law allows for the adjustment of the tariff schedule for passengers on rivers, so in the spring of 2015 we will be charged a new round of OSACV price increases, due to the increase in the limit of the “healthy” fees: from 160 thousand to 500 thousand rubles.
So how can you spare the OSATsV?
1. Choose insurance
For the old hours, I was glad to be lame, even if the tariffs of the OSACV were “hard”, and they didn’t lie down for a particular insurance company. The new edition of the law allows a slight backlash - so, the base coefficient becomes 2440-2574 rubles. Earlier, guessing, it was 1980 rubles.
For a given driver of the Ford Focus, the sum to be paid according to the OSATsV will be from 10.5 to 11.1 thousand. ruble
2. Don't get overwhelmed
OSACV is another opportunity to enjoy your appetite when choosing a car. Yak i vpadku with a transport tax, insurance of the insurance of the exhaustion of the dvigun. Let's say, for a 69-horsepower Skoda Fabia, our hypothetical car driver paid 9.3 thousand, and for a 152-horsepower Skoda Yeti - already 14.8 thousand!
To overcome the fact that OSACV has not risen in price, you can think about a rational choice already for the upcoming car change.
3. Power of registration
Regional coefficients are formed to a non-abyak part of the OSACV vartost: for example, for Moscow, to become 1.8; Ale in Russian regions, especially in small places, the coefficient is significantly lower: in Kalusia and Pskov - 1.2, in Penza - 1.4, in Arzamas - 1.1.
Re-register the car in a small city of marno - the coefficient is selected for the residence permit of the Vlasnik. I realized that more people would not want to change their Moscow residence permit for a regional one in order to win a thousand kilka for a river. Ale for the inhabitants of the regions, as if they could live or relatives in small places, sometimes they can register themselves there.
4. Without border
Insurance without obmezhenya can be on the verge, which for kermo can be a system of water, just as with a great policy, all admissions to keruvane are entered. I realized that the insurance "anlim" cost of pennies - the coefficient that advances, costs 1.8.
But this is the very coefficient of instalments for young under-informed waters, for those who are quiet among those who you want to enter into the policy, if you are young, you can get insurance without obmezheni. In some cases, there is no limit to navit vigidna: let’s say, the father of prescriptions from the municipality of the Don Tulsk region, and the 21-year synopsis from the river experience of water - from Moscow. At the same time, the father wisely issue a policy without obmezhen, below, enter the son-Muscovite with the maximum coefficients.
And there is a nuance: for polysiv without obmezhen, the bonus-malus coefficient for a trouble-free ride is more than enough for the owner of the car.
5. Drive safely
The most radical way to save money is not to waste your money in an accident. With the first contract, the water is expected to have a coefficient of 1.0, which is reduced by 0.05 after the end of the skin accident-free fate. The maximum savings is 50% after 10 years of travel without the use of blame.
If so, insurance can become more expensive, as if accidents were trapped. So, water, some kind of uklav agreed in the first place, and that in the wake of the two accidents it’s your own fault, on the coming river we take a coefficient of 2.45! So the price of insurance for emergency and accident-free water can reach five times the value (2.45 and 0.5)!
Speaking of which, in Western countries, the variety of binding insurances is one of the motivators for a neat style of water. Crimea can be shoddy in road accidents, fines and criminal punishment for guerrillas to check draconian insurance coefficients.
Rik u rіk vartіst polisa OSATsV grows. I zmushenі shukati ways, how to save on OSATsV. Too many people go to violate the law and buy fake OSACV policies for a penny, but it’s illegal and smell of a statute.
We are offering you 100% working and legal ways. Vіdkriєmo 5 secrets, yakі will help to make the policy as cheap as possible.
1. Watch out for newcomers.
If you have experience, try not to include newcomers in the insurance. Even if people are less than 23 years old and (or) її experience of care is less than 3 years old, the insurance company wins the increase of the coefficients. For example, allowing older children to be treated, sometimes you should take out insurance for that. insurance without insurance.
2. Don't take the car.
When choosing a car, let the car win with a not overpowering engine. Even if there are more Chinese forces in the car, we will cherish the OSACV policy. The best option for a woman is a small car with an engine up to 120 horsepower. Then the coeficient of sweating for rozrahunka vartosta policy will be less than 1.2.
3. Drive carefully.
Accidents are more likely to be added to the insurance policy. For example, if you became the culprit of an accident on a river, then an offensive fate will cost you more dearly. Well, you drank it in an accident, but it didn’t show up at fault, the coefficient, which suggests, will not be added. Before the word, for an accident-free ride, the insurance company will earn money for OSATsV.
4. Register a car for a relative.
It’s safe, like some of your loved ones, whom you trust 100%, live in the city, where there is a low coefficient of territory. On the right, in the fact that this ostentatious show signifi- cantly flows into the art of OSATsV. For example, in Moscow the coefficient of territory is 2, and in some places of the Lipetsk region it is 0.8. And so it is in rich spheres.
5. Check out the minimum base rate.
The basic tariff is tse pochatkova soum for rozrahunku OSATsV. By law, the tariff for passenger cars can vary from 3432 to 4118 rubles. Tobto insurance companies may have the right to install for the base, be it a bag in the middle of which corridor. Your task is to know such an insurer, who is ready to take a cob from you at a minimum.
Take away the rights of the yakomoga earlier, so you don’t choose to buy a car in the next hour. The experience is important from the moment you start, and at that hour, if you fail to pay for kermo, you will no longer be a newbie for insurance companies.
All the more often when buying an OSATsV policy, cars are debited from the protected variant of that policy. Insurance companies for the cost of imposing additional services try to protect the price of this type of insurance piece by piece. Ale is not a leather car enthusiast legally pidkovany, so you know how you can legally reduce the insurance coverage.
We will try to take a closer look at this problem, it is understandable, in view of which the deposit of the policy should be deposited, how to protect, knowing the specifics of the tariffs and the coefficients. And also, what will be the best when buying a policy in the future, as if the rights were taken away earlier, less buying a car.
○ What makes up the variability of OSATsV?
The variance of the policy is to lay down depending on the rich factors (coefficients) and the insurance coverage depends on the offensive formula:
T \u003d TB * KT * KBM * KVS * KO * KM * KN , de:
TB - the basic insurance rate (tariff) of the transport insurance. Vaughn is affected by such factors as:
- The model is ta r_k to the release, to the exhaustion of the engine and other characteristics of the car.
- Vіd vyboru SK, yak independently set the tariff for leather type TK okremo.
CT - Territorial coefficient. Deposit according to the order, de prescriptions of the auto owner, and not according to the place of registration of the car itself.
KBM - Coefficient bonus - malus of the car owner. Tse pokaznik bezposeredno lie down due to the number of accidents and payments for them for a few years. For example, if a car driver has never been involved in an accident and has never waived the premiums for the policy, then this ostentation with skin fate will change, and the class of superstition will increase. First of all, more often than not, fearful fluctuations in the history of a car driver were more common, while the coefficient is higher, and the class of superiority of water is lowered.
FAC - the coefficient of age values and the length of service of a car driver. Tsey pokaznik is vynachaetsya vhodyachi from the personal data of the insurer. The main values for the appointment of this indicator are the age range and the experience of the insurer’s water: what is more, what is lower, what is less, what is the experience of 3 years and more, what is not.
KO - Coefficient of the non-fenced (open) policy OSATsV. Tsey pokaznik is charged with a kіlkіstyu instructed by the police osіb. If in the police there is an indication of “not obmezheno”, then the indication of such a coefficient will be reduced even more, which is not visible.
KM - Indicative (coefficient) of the stiffness of the engine. There are fewer Kіnskih forces in TK, and there is a cheaper policy.
KS - Seasonality coefficient. Such an indicator should be deposited during the period of operation of the car. Tobto. at what time will the policy be issued: either the whole river, or three times up to eleven months.
KN - Coefficient (destruction) of the rules of the road traffic. This indicator is calculated by the number of violations of these rules, and the increase in the cost of OSAGO is added. Tsey pokaznik is shown by such values as: 1; 1.5; 2.
○ Tariffs and coefficients.
At this point of the article, it is more detailed to look at how, on legal bases, to win the skin of a coefficient for its merit, for a change in the cost of the policy. Let's look at the yak save on OSACV, ta buy OSAGO is not expensive.
✔ Base rate.
Basic tariff - all indications vary in the range of 3 430 before 4120 rubles and without intermediary deposits in the form of an SC. So, when buying a policy, for the first time, check out the website of the Central Bank with the most insurance companies, what are those tariffs. Sob pіdіbrati nayvigіdnіshu. It doesn’t matter if it helps, but all the same, change your family budget. Otherwise, you can’t get into the rozmіr tsgogo fіtsієnt.
And the axis, if there are other indications, then for the price of them you can reduce the cost of the policy by a factor:
✔ Territory coefficient.
Teritatorial Keephitzient can access the Zimlkom in the way - nasament, can be renounced to Timchasov’s residence permit, said in the yard of the village, de Ninizhnik, the Tzui of the Tz, the Kniegoye, is the worship of the Knowo,
✔ KBM.
Schodo KBM, then there are, of course, their own nuances:
- Tsey pokaznik lie only in the case of the insurer himself, or the appointments of the police, but not in the form of a transport security.
- If you fail to open an insurance agreement, let’s say you have left the term for a total of 3 days, then a reduction for an accident-free ride for this river, when buying an offensive policy, is not guaranteed. This show is insured less for all 365 days to the policy.
- If individuals are included in the policy, whose experience is minimal, or if the insurance history is recorded, then the KBM will be eligible for insurance from the least representative of superiority.
So, how can you minimize the cost of the policy for the rahunok of this ostentator? - Ask V.
You can, and navit already suttivo. Firstly: drive without breaking the rules of the road traffic and do not create an accident. In a different way: to prescribe at the contract quietly, who, perhaps, cheruvatime by stretching this fate by car, and may have the best class of confidence. What is the class of water supremacy, then lower than the KMB.
With indications that reduce this coefficient, you can find out in the table:
| class | KMB | Pricey (-) | Class, which is assigned for the presence of insurance premiums OSATsV earlier. | ||||
|---|---|---|---|---|---|---|---|
| Reduction (+) | There was no fee | 1 payout | 2 pay | 3 pay | 4 and more | ||
| M | 2,45 | 145% (-) | 0 | M | M | M | M |
| 0 | 2,3 | 130% (-) | 1 | M | M | M | M |
| 1 | 1,55 | 55% (-) | 2 | M | M | M | M |
| 2 | 1,4 | 40% (-) | 3 | 1 | M | M | M |
| 3 | 1 | no | 4 | 1 | M | M | M |
| 4 | 0,95 | 5% (+) | 5 | 2 | 1 | M | M |
| 5 | 0,9 | 10% (+) | 6 | 3 | 1 | M | M |
| 6 | 0,85 | 15% (+) | 7 | 4 | 2 | M | M |
| 7 | 0,8 | 20% (+) | 8 | 4 | 2 | M | M |
| 8 | 0,75 | 25% (+) | 9 | 5 | 2 | M | M |
| 9 | 0,7 | 30% (+) | 10 | 5 | 2 | 1 | M |
| 10 | 0,65 | 35% (+) | 11 | 6 | 3 | 1 | M |
| 11 | 0,6 | 40% (+) | 12 | 6 | 3 | 1 | M |
| 12 | 0,55 | 45% (+) | 13 | 6 | 3 | 1 | M |
| 13 | 0,5 | 50% (+) | 13 | 7 | 3 | 1 | M |
Table KBM (bonus malus) class water
You will say that it is impossible to spare the OSACV! But it’s not like that, and I’ll tell you about 2 ways how you can work.
If, writing this article, especially thinking to a friend, as if she was “reasonable”, she didn’t believe the reader, she didn’t understand.
Literally the next day, I almost didn’t value my OSACV policy for 5,000 rubles, having overtaken the rear of the UAZ Patriot. Shvydka's reaction to me was betrayed by that hourly devaluation of the ruble. Truth, read, marvel and let you be happy on the road.
1st way.
Purchase of the OSATsV policy with an interim period of victory
If you do not plan to drive a car during the winter period and put your “horse” on a charge, then you rationally do not pay for the OSACV policy for the winter period.
For whom you, when applying for an OSATsV policy, indicate that you plan to win a car only during the period, for example, from Thursday to July, that is a month. 7 months on the river.
As a result, savings on the OSATsV warehouse are less than 1500 rubles.
Razrahunok zrobleny for a car from 70 to 100 k.s., 1 water, experience more than 3 years, older than 22 years, without improving the KBM.
Polis OSATsV for 1 river bed - 7701 rubles.
Polis OSACV for 7 months - 6161 rubles.
Retail - 1540 rubles.
The number of months can be changed, and the amount can also be changed.
2nd way
Do you ask how you can help to save on OSATsV?
And it’s just simple, marvel!
According to official statistics, the number of accidents in the autumn-winter period increases by 25%. If you went through the winter without an accident, then the likelihood that you will become the one at fault in an accident is already small.
TOGETHER, if at the moment of buying the policy you will pass without accidents (smut, so that you were not at fault for the accident, if you were at your place, it doesn’t matter), then on the next day you will have to pay a KBM reduction of 5 to 50%.
And even if you were the one at fault for the accident 1 time, all your credits will be canceled step by step and You should increase the coefficient up to 245% of the base rate of the policy!.
And now on the example.
The cost of the OSACV policy for a car from 70 to 100 CV, 1 water, more than 3 years of experience, over 22 years, without KBM improvement - 7701 rubles.
On the offensive in case of accident-free driving on the same car, with the improvement of the KBM reduction, the policy will cost 7315 rubles (5% reduction)
If I will be the one at fault even if 1 accident, then the OSAC policy will cost 11936.55 rubles, I will add a coefficient of 55% to the base rate of the policy (7701 rubles) 4621 rubles EXPENSIVE!
Tobto, trouble-free ride, allow us to spare 4621 karbovanets!
If earlier you could reset your insurance history by transferring to another insurance company, then the number will not go through. Insurers have a single OSATsV base.
The only thing that will save us in the event of an accident is a levy - respectfulness and "Shumakher's" water.
Nayprikrіshi road accidents to charge a “ticking” car, which is ahead of me, otherwise it’s called “get used to it”. Zbitkiv, in fact, "the whale cried", and vartist policy OSATsV offensive rock growth by 55%.
I am giving you a selection of videos. I encourage you to promote your skills of water and give you the opportunity to get away with an accident in the winter period.
What is necessary to know when paying the fee.
How to correctly enter the turn on the slimy winter road?
What work, how are you stuck in the snow? How do you see the snow?
Carrying in a charge. How is the hour of entry?
How to go correctly according to the amount of payment.
І dotrimuytes in the midst of the cars and the same water we deliver satisfaction, and the cost of the OSACV policy will be greatly reduced!