purchasing a vehicle, each relies on the fact that no trouble will occur.But, unfortunately, the road traffic accident can happen to anyone.Protect yourself and your vehicle from this almost impossible.But to insure against the possible financial costs, you can use auto insurance.Everyone should know how to insure the car and where better to do it.
Compulsory insurance
This type of insurance, which implies the responsibility of the driver in front of the other members of the traffic accident.If the owner of the vehicle itself is to blame for the accident, he can be sure that the payment of third party insurance cover.This type of insurance is mandatory and issued drivers, regardless of the car model.Often the driver is not ready to be an accident and does not have the financial ability to cover the costs of another party to the accident.No problem, if managed in a timely manner to insure the car.Insurance usually covers all costs to participants and manage the incident quickly to repair their vehicles.
Previously, there were several options for processing insurance policies.That all changed when the demand ceased to be a power of attorney to control someone else's vehicle.There was only a first type of policy.It involves insurance of any driver who is legally driving.
How much is compulsory insurance?
owners of various vehicles can not be on the same value of the insured vehicle.Contents insurance offers insurance companies for cars of all brands.The cost of the policy in this case will depend on several factors.In the first place, it is taken into account model year vehicle.The older the vehicle, the greater the likelihood of an accident due to a fault.Therefore, the insurance policy may cost more.
No matter what company you are going to insure the car, the price of the policy will depend on the driving experience.It is taken into account also the engine power.The smaller and larger experience of the car, the more expensive the policy will cost.The reception area is also important.In those areas where car traffic is less active, it will be able to take out insurance is much cheaper.
Should I pay attention to the low price?
must never be forgotten that free cheese is only in a mousetrap.Many insurance companies that exist on the market just a few years, offer a policy issue at a lower price.At the same time there is no guarantee that the organization really cover the costs in case of emergency.Preference should be given to companies who work at least 10 years.They will offer to insure the car at a higher cost.The client can be sure that in the event of an accident it will not wait for the financial costs.
insurance companies, which have already gained the trust of customers, periodically organize actions and give storage card.This allows you to buy liability insurance policy tool at a lower cost.
All you need to insure a car?
MTPL policy to date is a must.There are only a few exceptions.Completely exempt from property insurance of the vehicle involved in the fighting, invalids of the first group, personally managing his car.As well as those who run the machine with disabilities in their presence.In the event of a traffic accident all payments takes on motor-vehicle bureau.Exceptions are cases where the culprit accident stands third party.Then it was the perpetrator commits itself to cover all expenses.
There is also a number of instances where drivers have the right to insure a car by paying only 50% of the cost of the policy.This opportunity has retired, the persons who participated in the liquidation of the Chernobyl disaster, the disabled of the second group, as well as war veterans.It should be noted that these persons are not always able to insure a car at a discount.Contents policy can only be achieved if the displacement of the vehicle is up to 2500 cc.cm. If the machine does not respond to such parameters will have to pay 100% of the cost of the policy.
Voluntary insurance
released today is also a voluntary insurance.Despite the existence of many forms of forced in this way seek to insure the car.Casco allows the driver to protect against theft or damage to the vehicle.In addition, everyone can insure your life from death in a traffic accident.In this case, insurance benefits will receive relatives.
Insurance Casco program is complete and partial.You can issue the policy, which will include all the risks.Or to insure a car without life insurance.In addition, the program offers to issue a policy on the equipment installed in the vehicle.If it is stolen, the driver will receive a full refund.
Needless to arrange fully comprehensive insurance?
No matter where insure a car, you should choose a policy that will represent the best value for money.The problem is that many items are fully comprehensive insurance are absolutely useless.For issuance of the policy will have to pay not less than 10,000 rubles.This insurance is issued for only one year.If we exclude such items as vehicle theft or theft of equipment from a vehicle, will be able to save considerably.The cost of the policy will be about 5,000 rubles.
Many vehicle owners have a good garage and a reliable alarm.Therefore, the probability of theft is minimized.So pay per year for a full comprehensive insurance policy is inappropriate.The insurance contract should include basic items such as damage to the vehicle and participating in road accidents.
Where to insure a car?
company with which the contract will be signed, must be selected very carefully.Before you issue the policy, pay attention to the various offers of the market.Preference should be given to firms that offer insurance services for over 5 years.There are several criteria that will more thoroughly assess the reliability of the company.First of all, pay attention to the presence of permanent partners.If large organizations make out insurance contract in the same place for many years - it is a good indicator.
Before you decide where to insure the car (CTP), you should pay attention to the prices of various companies.The cheapest offer should not pay attention.Most likely, so the insurance company is trying to attract customers.There is no guarantee that the payments under the contract will actually be implemented.The average price segment - the best choice.
following will be presented to several companies that are popular among car owners.
Insurance company "TAS"
Today, the insurance group "TAS" is in the top 10 leaders in automobile insurance.The company operates not only in Russia but also in other CIS countries for more than 15 years.Insurance Group consistently shown good financial results, and drivers receive timely payments on its contracts.
reliability of cooperation with an authorized capital is guaranteed.In addition, it operates the scheme of reinsurance of major risks.Leading reinsurers of the world cooperate with the company "TAS".The cost of insurance policies start from 2000 rubles.
"Rosgosstrakh"
Russia's largest insurance company, which provides a wide range of services.It is no exception and auto insurance program Casco and CTP.Many of today there is no question about where the car can be insured.Drivers have long favored companies "Rosgosstrakh".
In 2015, the rating agency "Expert RA" could once again confirmed the reliability rating of insurance companies.Therefore, to conclude a contract with it anyone can freely.All payments in the event of a road traffic accident are guaranteed to be made.Insurance "Rosgosstrakh" many choose also due to the large number of sales outlets throughout the country.Making policy is possible even in the smallest village.A company representative will always tell about the features of an insurance product, and can help determine the choice.
"Ingosstrakh"
reliable insurance company, which is among the ten most popular Russian agents.In 2005, he won first place at the box office of insurance premiums among the many participants.This insurance agent is the most mediaaktivnym.On it is always mentioned in the press and on television.Due to this the number of signed contracts is increasing every year.
Since 2004 the company "Ingosstrakh" has started to work well in the markets of Ukraine and Belarus.Due to this the number of clients able to significantly increase.The company offers not only traditional but also the exclusive insurance.For a modest cost, you can insure not only the vehicle but also all of its contents separately.During a traditional insurance policy will have to pay not less than 3000 rubles.It is possible to purchase insurance or Casco insurance.Additionally, you can insure the life and health of children.
