CASCO car insurance for novice drivers

What does CASCO insure against?

A CASCO insurance policy allows you to protect your car from a variety of risks:

• hijacking,
• damage in an accident when colliding with another vehicle,
• damage in a rollover accident,
• explosion,
• fire,
• heavy objects falling on the car,
• damage or complete destruction of a vehicle in a natural disaster.

CASCO insurance can be full or incomplete. Full insurance takes into account all the listed risks, incomplete insurance takes into account only some of them at the choice of the car owner.

Partial insurance costs less than full insurance, so the car owner can choose specific risks from which he wants to be protected.

For example, some car owners apply for CASCO insurance only against theft. In some cases, annual insurance costs comparable to the cost of paid parking for a year. At the same time, as you know, paid parking, even if there is a security guard, is not responsible for anything and does not guarantee you anything. While having insurance, you compensate for the cost of a stolen car.

CASCO price

Now it’s worth moving on to the question directly about the price of insurance. It is worth immediately noting the fact that each car owner can independently carry out approximate cost calculations in 2021 using an online calculator, which can be found on Internet resources.

1. So, one of the most important points is age. If a person falls under the category from 21 to 65, then the cost of insurance will not increase.
2. Experience. CASCO insurers usually enter into contracts with a person who has a decent driving record. This is due to the fact that statistical beginners often find themselves in emergency situations. To avoid losing extra money, insurance companies prefer to deal only with experienced drivers.
3. Using a car. Year of issue. It is worth remembering that CASCO for a new car will be cheaper. But this is not the most important aspect in this matter. If the car is more than ten years old, they will not issue this type of policy.
4. An important factor is the technical features of transport.
5. Availability of alarm system.
6. Franchise.
7. Region.
8. The number of people who can sit behind the wheel of this car.
9. Other aspects.

Thus, all aspects that are taken into account when calculating the cost of insurance have been considered. However, the total amount can still hit the car owner's pocket, because CASCO is considered quite expensive insurance.

Options for reducing the cost of CASCO

However, there is a system of so-called discounts and bonuses that literally every driver can receive:

1. Careful driving. Insurers value drivers who have never been in an accident over a long period of time. For such diligent customers there are discounts that get bigger with every year of careful driving.
2. You can save money if you opt for a partial policy. For example, apply for CASCO insurance against theft and theft. The total cost will be significantly less.
3. Sometimes insurance organizations hold various promotions (for example, in honor of a holiday). To get caught up in the promotion, just go to the official websites of insurance organizations and monitor changes in this area.
4. You can pay less money if you choose the right insurance agency for yourself. Each organization sets its own price for insurance, so the driver should familiarize himself with the companies before choosing one.
5. You can also sign up for a franchise to get benefits.

There are several offers that insurance companies use to lure clients. For example, the so-called “naked CASCO”. This offer is considered the most budgetary. “Smart” is also very popular among car enthusiasts, because the entire amount will be paid to the driver in the event of an emergency. However, only twice.

If you study the websites of companies that operate in a particular region, you can find many profitable offers for the client.

The procedure for setting tariffs for CASCO insurance

The high cost of a CASCO policy is explained by the ability to insure an almost complete list of risks of damage or loss of a vehicle. Tariffs for CASCO policies do not differ much from different insurance companies, but for the average driver they represent an impressive amount.

Unlike the conditions of the MTPL auto insurance program, the state does not participate in the formation of CASCO tariffs due to the voluntary nature of this type of insurance. Insurers themselves have the right to set tariffs, using price parameters as an additional way to attract new clients.

When determining the cost of car insurance, insurance companies can focus on the following factors:

• the demand for this type of insurance among clients;
• rates of competing insurance companies.

CASCO tariffs change almost every year, and certainly upward. However, the ability of insurance companies to independently regulate tariffs under the contract gives policyholders the right to choose the most optimal services.

What determines the price of the policy?

Unlike compulsory insurance, a CASCO policy does not have legally defined boundaries and a list of risks. Therefore, each insurance company determines them independently, which affects the cost of the policy. But, in addition to the specific requirements of each organization, there is a list of standard parameters used by all insurers. What affects the cost in 2021:

1. Type of insurance (full, partial, aggregate, non-aggregate). The more possible insured events, the higher the price of the policy.
2. Driver's age. If at least one driver who has the right to drive a car is under 21 or over 65 years old, then the cost of insurance increases by a certain coefficient (it is different in each organization).
3. Driving experience. The longer it is, the lower the likelihood of an accident, and the lower the price.
4. Anti-theft system. The better quality it is, the less you will have to pay for CASCO.
5. Additional parts of the car that are covered by insurance (audio system, tires, etc.).
6. The number of drivers eligible to drive a car increases the cost of the policy.
7. Excess is part of the damage that is not compensated to the policyholder. The higher this amount, the lower the insurer charges the cost of the policy.
8. Parking place. If the car is often parked in a guarded parking lot, then it is worth mentioning this when concluding an agreement, because for many companies this is a factor that reduces the cost of CASCO insurance.
9. The previous policy was issued by another company, which allows you to get a discount from the new policyholder. The less companies interact with each other, the greater the percentage of the original amount will be.
10. What is the car used for? If it is a vehicle of a legal entity, then the cost of the policy increases.

But in addition to all of the above, the main influence on the cost of the policy is the sum insured - the price of the car at the time of concluding the contract. And it depends on the make and model of the car, as well as its year of manufacture and wear. Also, certain car models are more likely to be stolen or cause accidents, so each type of transport has its own coefficient.

How does the price of CASCO depend on its type?

The cost of the insurance policy directly depends on what type of CASCO you have chosen for your car:

1. Full CASCO or no restrictions . Provides the opportunity to insure a car for all occasions, namely:

• from theft
• in case of an accident
• when capsizing
• from explosions
• from fire
• if heavy objects fall on the car
• from natural disasters and emergencies

2. Partial or incomplete CASCO - including several selected insurance events, in the event of which the car owner will receive compensation from the insurance company. The most common practice is to insure against theft and damage caused during an accident, since these are the most likely situations that can happen to a car.

3. Aggregate CASCO - implies that the amount of compensation you will receive from the company will decrease after each new insurance payment, according to the contract.

4. Non-aggregate CASCO - with such an insurance contract, you will receive stable payments specified in the contract, and their value will not depend on the number of accidents that occurred previously.

What determines the cost of a CASCO policy?

The price of such an insurance policy consists of many factors, and the formula for determining the cost of CASCO insurance is even more complex than the formula for the cost of compulsory motor liability insurance.

In particular, the price of the policy is affected by:

• Driver's age - in most cases, CASCO will cost more for drivers under 21 years of age and over 65 years of age.
• Vehicle age – Insurance companies like to insure new cars and are very reluctant to insure vehicles that are over 10 years old.
• Length of accident-free experience - obviously, the longer the driver demonstrates accident-free driving, the higher the insurance company’s confidence in him.
• Availability of car alarms and other anti-theft systems - the car must somehow be protected from theft by an alarm system, immobilizer, etc. devices.
• Car make and model – Even if different brands of new cars cost about the same, the cost of insurance for them can vary dramatically.
• Other factors - insurance companies may also consider other factors, including whether you have previously worked with competitors of a given insurance company.

What determines how much CASCO costs?

CASCO is an optional type of insurance. However, taking into account all sorts of risks, it is often more profitable for the car owner to spend a relatively small amount than to then repair the car at his own expense or cover losses after a robbery/theft/revenge of a neighbor, etc.

The average cost of CASCO is from 4% to 12% of the cost of the car.

Financer has selected companies with which you can really save money without losing quality. To find out the details of the offers, click on the “Apply” button next to the selected insurer.

How much CASCO costs for a year usually depends on the following parameters:
• What risks have you included in the policy?
• Driver age (lowest prices for the range from 21 to 65 years)
• Age of the car (the older, the higher the price)
• Driving experience (the more, the lower the cost)
• Installed anti-theft system (seriously reduces cost)
• Car model and its price (affects the average cost of repairs + if, according to statistics, these cars are stolen more often, the price of the policy will also increase)
• Number of drivers included in the policy (the more, the higher the price)

In addition, for cars purchased on credit, insurance costs more.

Owners of used cars will also have to buy a more expensive policy. Therefore, if you want to protect yourself from all risks and save money, do the math - perhaps purchasing a new car, taking into account changes in the policy price, will be more profitable than buying a used one.

CASCO classification

This type of insurance has its own typology. You need to know and remember them in order to choose the most budget option for yourself from all those presented below when registering.

1. No restrictions. This type is often confused with insurance issued additionally with a deductible. No, these are two completely different species. The full policy includes the following insurance items:

• CASCO against theft;
• from theft;
• fire;
• explosion;
• accident;
• natural disasters;
• capsizing;
• and from damage resulting from a large object falling onto a vehicle.

2. Incomplete. The driver can choose to insure only certain aspects that would be covered by payments from the insurance company. The price, of course, is significantly lower compared to full CASCO, but this is due to the fact that the insurer finds a nuance in the insurance situation.

3. Aggregate. The conclusion of a contract for this type is conditioned by a gradual decrease in compensation if payments from the insurance company have already been made.

4. Non-aggregate. The contract specifies a specific amount that the owner will receive, despite the number of accidents with his participation.

Accredited insurance companies VTB 24 for CASCO

In addition to various options that reduce the cost of a policy, its price can vary significantly from one provider to another. Therefore, it is important to choose an insurance company that will combine low rates with a high degree of reliability. To make it easier for you to decide, we have compiled the TOP 5 best insurers where CASCO insurance is cheaper than other companies in 2018.

Tinkoff Insurance - CASCO with monthly payment from 1500 rubles

The advantage of Tinkoff is that here you can buy a CASCO policy online, completely remotely. The client does not need to go to the office or sit in queues. The policy will be delivered to him by agreement at any place at a convenient time.

In addition, remote organization of activities allows Tinkoff to significantly reduce tariffs. You can also reduce the cost of insurance if you take out CASCO and MTPL at the same time. The discount will be 5%.

You can calculate the cost of insurance using the CASCO calculator on the website. It is not necessary to make the entire payment at once; you can do it in installments - every month. If an insured event occurs, you will be able to receive compensation within a short period of three days.

InTouch - profitable CASCO policy in installments for 12 months

The insurance company InTouch is one of the most technologically advanced and reliable companies in the insurance market today. She, like Tinkoff, focuses on saving clients’ time, minimum bureaucracy and maximum customer focus. Due to the fact that the company sells most of its CASCO, OSAGO and other types of insurance policies through the Internet site, this allows it to save significant money on agents and managers, which in turn affects very favorable rates for clients.

The InTouch company belongs to the Blagosostoyanie insurance group, which is one of the stable and reliable companies in Russia.

Renaissance Insurance is a popular insurance among car enthusiasts

Renaissance is a high-tech company. A program has been developed here - CASCO policy with telematics. It allows young people under the age of 29 to save up to half the cost of the policy. The essence of the program is to install a special device on the car that communicates with an application on a smartphone.

In addition, the Renaissance company has favorable CASCO rates when taking out a policy for SUVs, as well as used cars.

Cheap CASCO policy from Alfa Insurance

This company offers several profitable programs for obtaining a CASCO policy. The advantages of Alpha Insurance are:

• You can take out a policy without leaving your home;
• CASCO calculation is carried out directly on the website, the result can be saved and also sent to a friend.

The Smart CASCO program for careful drivers allows you to save up to 55%. In this case, a telematics device is installed on the car. Any foreign-made car whose mileage does not exceed seven years can participate in the program.

Cheap CASCO insurance from Rosgosstrakh

Rosgosstrakh offers to buy CASCO insurance in one of the following ways:

• online on the Rosgosstrakh website;
• by calling the short number 0530 from a mobile phone (available for MTS, Tele2, Megafon, Beeline subscribers);
• at the nearest office.

At the same time, right on the company’s website there are tips on how to choose a profitable CASCO insurance depending on the needs of each car owner. In addition, for the convenience of clients, it is proposed to issue a policy in installments and use a deductible. Also, for those who can boast of accident-free driving, Rosgosstrakh provides a discount when concluding an insurance contract.

CASCO price and what car insurance depends on

The main criteria for calculating the cost of CASCO insurance for a car include:

• Type of insurance (full, partial, aggregate and non-aggregate);
• Driver's age (if the driver has not reached 21 years of age or is over 65 years old, then an increasing factor is applied);
• Driving experience (the more, the lower the CASCO price);
• Make, model and year of manufacture of the car;
• Availability of an installed security (anti-theft) system or devices;
• Add. car options;
• Franchise means that the company will retain a certain percentage of the insurance payment in its favor;
• Presence of additional circumstances. These include: paid parking, purchasing a car on credit, the driver’s past cooperation with a competing company. Under the latter condition, you can get a discount of up to 30%;
• The number of persons included in the insurance contract (the more, the more expensive the policy).

CASCO insurance contracts are generally concluded for 1 year. The reason for this is the condition that the amount of car insurance must be comparable to its market value. It can be set in both Russian and foreign currencies, but payments are made only in rubles at the Central Bank rates.

Options for reducing the cost of CASCO

However, there is a system of so-called discounts and bonuses that literally every driver can receive:

1. Careful driving. Insurers value drivers who have never been in an accident over a long period of time. For such diligent customers there are discounts that get bigger with every year of careful driving.
2. You can save money if you opt for a partial policy. For example, apply for CASCO insurance against theft and theft. The total cost will be significantly less.
3. Sometimes insurance organizations hold various promotions (for example, in honor of a holiday). To get caught up in the promotion, just go to the official websites of insurance organizations and monitor changes in this area.
4. You can pay less money if you choose the right insurance agency for yourself. Each organization sets its own price for insurance, so the driver should familiarize himself with the companies before choosing one.
5. You can also sign up for a franchise to get benefits.

There are several offers that insurance companies use to lure clients. For example, the so-called “naked CASCO”. This offer is considered the most budgetary. “Smart” is also very popular among car enthusiasts, because the entire amount will be paid to the driver in the event of an emergency. However, only twice.

If you study the websites of companies that operate in a particular region, you can find many profitable offers for the client.

Insurance prices for beginners and young drivers

The cost of CASCO for young drivers is different for each insurance company. When calculating it, insurers use an increasing factor, which can range from 1.5 to 2. Consequently, a policy for a novice driver often costs one and a half or two times more than for an experienced one.

Additional parameters also affect the cost of the policy:

• Make and year of manufacture of the car
• Policy area
• Number of registered drivers
• If CASCO against theft is issued - statistics on this type of violation for a given brand
• And others

Examples of prices in 2021 for CASCO

So, it’s worth considering at least a couple of examples so that you can roughly navigate the cost of insurance.

For a Lada Granta in Moscow, CASCO will cost 37,219 rubles, for a Kalina - 32,205 rubles, for a Chevrolet Cruze - 49,135.

You can find out more about all the prices for a specific car on the website. Or you can do the calculations yourself.

Insurance for a new and used car will be 4-12% of the total price of the vehicle. Of course, the amount is not small, considering the current cost of new cars, but the driver can always receive privileges from the organization if he drives for several years without getting into an accident. Firstly, it is beneficial both for the driver himself and for the company. Secondly, careful driving is the key to safety.

How much does CASCO car insurance cost for a year?

The standard price category for an insurance policy is from 4 to 12% of the market value of the car.

High tariffs are based on statistics according to which the largest number of thefts and accidents occur in Russia. But there are also exceptions. Drivers with a clean insurance history can receive more favorable conditions.

The table shows the cost of a CASCO policy for a year for common and budget brands of cars. The cost of CASCO insurance for cars costing more than 2,500,000 rubles will be approximately 4-7% of the market value of the car.

How to reduce the cost of CASCO for a beginner?

Inexperienced drivers have a higher chance of getting into an accident, so the insurance company also takes a greater risk. And the higher the probability of an insured event, the higher the cost of the policy. For example, RESO-Garantiya will offer a 20-year-old driver with no experience to take out a CASCO policy for a one-year-old Hyundai Solaris worth 800,000 rubles for 140,000 rubles. This policy covers the main risks - damage and theft, but the price is impressive. A deductible will help reduce it.

A deductible is a fixed amount that the insurer deducts from the insurance payment due to the client. Damage less than or equal to the deductible amount is not compensated at all.

If the young driver from our example is ready to take out CASCO insurance with a deductible of 6,000 rubles, then the price of the policy will be 115,000 rubles. With a franchise of 15,000 rubles, the policy will cost 88,000 rubles, and with a franchise of 30,000 rubles - 68,000 rubles.

A novice driver can save on CASCO by limiting risks. If you insure a car equipped with an alarm with RESO-Garantiya, only for the risk of “Theft” the policy will cost 24,000 rubles. Other insurance companies have similar programs. For example, AlfaStrakhovanie offers “CASCO in the top ten”, “Ingosstrakh” - “Pragmatist”, “Zetta Insurance” - “Not to blame”.

Cost of CASCO policy in 2021 by car model

We noted above that the car model is an important, but far from the only factor that affects the price of a CASCO policy. The cost of insurance also depends on the driver himself and on how carefully he follows traffic rules and the requirements of the insurance company.

However, if we take the average values ​​for the insurance market, then the cost of CASCO for a particular car model in 2021 is determined as a certain percentage of the cost of a new car.

The approximate average percentage of the cost of a new car, which is included in the CASCO price, is given in the following table:

What other factors can affect the price of CASCO insurance?

Changes in the statistical data of Russian auto insurers are not enough to talk about a possible sharp increase in the cost of CASCO policies. But are there other factors that can affect tariffs? To answer this question, you need to remember what the price of voluntary car insurance consists of.

1. Contributions to reserves in case of an insured event.
2. Costs of running a business (maintenance of offices, salaries of managers).
3. Commission for intermediaries.

Everything is clear with contributions to reserves: statistics show that there is no sharp increase in payments and no significant reduction in CASCO fees, so there is no point in dwelling on this point. The costs of running a business can affect the level of tariffs, for example, with a sharp increase in the cost of renting office space, which is unlikely to happen in the current economic conditions, so you should not be afraid of rising prices because of this item.

The level of commissions to intermediaries when drawing up CASCO contracts has long stabilized: as a rule, insurers do not pay agents more than 20-30 percent of the insurance premium. Accordingly, this point can be discarded.

Should a beginner buy CASCO?

Every novice driver must answer this question himself. On the one hand, CASCO tariffs for beginners are 2-3 times higher than for experienced drivers. On the other hand, it is the lack of experience that greatly increases the risk of getting into an accident. Every driving school teaches you to think on the road not only for yourself, but also for other drivers. But only with experience comes the ability to predict an emergency situation and competently avoid it. According to traffic police statistics, 133 thousand accidents occurred in Russia in 2021. CASCO insurance will help a novice driver compensate for material damage from an accident. Deductible or risk limitation (for example, only theft + total) can significantly reduce the cost of the policy, while providing financial protection against large losses.

Why does the cost of CASCO differ for different car models?

Indeed, if you ask an insurance agent to calculate the cost of a CASCO policy for two different car models with approximately the same cost and the same other factors (the age of the driver, his accident-free record, etc.), you can often find that the price of CASCO differs significantly.

The first reason that influences this is the popularity of specific car models among car thieves.

It is believed, for example, that Japanese cars are stolen more often than others. Therefore, the cost of CASCO insurance for them will initially be higher - the risk for the insurance company that it will have to pay you insurance is obviously higher if you insure a “Japanese”.

The second reason is the different cost of spare parts and their availability. If your CASCO policy takes into account the risk of getting into an accident, then the insurance company needs to take into account the approximate cost of restoring your car, and it differs very much in different cases. Russian-made cars, spare parts for which are available and cheap, are one thing. Another thing is the same Japanese auto industry.

Another reason that is also taken into account by insurers is how many service stations in your city will generally undertake to repair your car and at what price. It happens that repairs are available only from an official dealer, who sets monopoly high prices for their services.

How is the cost of the policy determined?

A novice driver is a potential threat on the road, and the insurance company's risk of incurring losses is quite high, so insurers use all sorts of tricks to get the maximum insurance premium when taking out a policy. What does the final insurance price consist of? The main factors influencing the cost of a CASCO policy include:

• cost, year of manufacture, vehicle power;
• the age of the car owner and driving experience;
• presence of an anti-theft system;
• insurance region.

The table below presents data on the cost of a CASCO policy for a car owner aged 20 years who has no driving experience.

It is clear that few car owners can afford such expenses, so before taking out a policy you need to weigh the pros and cons. As practice shows, CASCO for novice drivers pays off in almost half of the cases. So, seeming overpayments will help save nerves and money in the future. Once you gain driving experience, there is no need for full CASCO insurance with maximum markups. However, you can save money even without driving experience; for this you need to choose the right program.

Conditions and prices vary not only among different insurance companies. Regional amendments can be so significant that it will be profitable for the same insurance company to issue a policy in one region, but not in another.

How to save on CASCO

When calculating the cost of CASCO, you noticed that the cost of the policy differs depending on the insurance company. To save on buying insurance:

• find out the cost from several insurers,
• use a franchise
• choose an incomplete CASCO package,
• insurance company promotions or special offers

Some insurance companies provide their own great deals.

• “50/50”, when the client and the company split the losses in half.
• "Naked CASCO" is one of the cheapest options.
• “Smart” - the car owner is paid the full cost of the damage, but no more than twice a year.
• “VIP” or “All inclusive” - some conditions are added to the main policy at the discretion of the company.

Video: How to save on a CASCO policy

To ensure that the insurance conditions are acceptable, we suggest using our online CASCO calculator. You will look at offers from 20 leading insurance companies in Russia.

How a novice driver can save money on motor insurance

OSAGO is compulsory motor third party liability insurance and is mandatory for all drivers, without exception. Funds under a compulsory motor liability insurance policy are paid out if the insured person causes any damage to another person as a result of an accident. If you are the culprit of the accident, the injured party will receive the money, but if you are the injured party, demand compensation for the damage from the culprit’s insurance.

CASCO is voluntary auto insurance of vehicles, which can be defined as “all inclusive”. This insurance covers risks not only in case of an accident, but also in case of fire, theft and others. It should be noted that in the event of an accident, regardless of who is at fault, the damage to the policyholder will be compensated in full.

Having received a license, a novice driver at first does not feel very confident on the road, does not know how to behave correctly, quickly assess the situation and react to it. This happens 99% of the time with newbies. Such a driver poses a danger on the road not only to other drivers, but also to himself.

For beginners, this is an excellent insurance that will cover maximum risks, ranging from minor damage, for example, a broken bumper on a curb, to a serious accident.

As a result, it is clear that it would be possible to do without compulsory motor liability insurance, since CASCO insurance covers all risks. But since OSAGO is compulsory insurance, the best solution would be to take out CASCO insurance as well. Many people are afraid that the cost of CASCO insurance is high, and insurance claims may not occur, and it turns out that the money was wasted.

If an accident occurs, you have funds for repairs, otherwise you will save up a decent amount, perhaps even for a new car.

• Do not include people younger than you and with fewer years behind the wheel on your policy, otherwise the price will increase
• Choose special offers - CASCO with a franchise, 50 to 50, "CASCONomia" from SK Soglasie or "Experienced Driver" from Intouch Insurance if you rarely get into accidents
• Take out a contract for 1 insured event if you drive the car carefully
• Save 30-50% on purchasing theft-only insurance
• Try comprehensive insurance with wear and tear if you have a used car. After an accident, you will be supplied with new parts

Franchise from Renaissance. Beneficial for those who drive carefully. When an insured event occurs, the insurance company compensates only part of the losses. You can choose the amount - the higher it is, the cheaper the contract. If the franchise costs 10,000 rubles, and losses from an accident amount to 100,000 rubles, the insurer will pay you 90,000 rubles.

“It’s not my fault” from Intouch Insurance. Suitable for those who are neat and careful. Protects against damage that is not your fault. Allows you to save 55% from the classic version.

“Top Ten” from AlfaStrakhovanie. Fixed price - 9,950 rubles. This is the choice of those who rarely cause an accident. Insurance company pays full compensation in case of theft and when the culprit of the accident is found.

“Only theft” from Reso-Garantiya. Recommended for those who are confident in their skills. Suitable for vehicles no older than 12 years. For frequently stolen models, you need to install an alarm.

Register a franchise. CASCO deductible is the amount of insurance payment that the car owner pays during an insured event. To save money, pay part of the insurance, which during an insured event compensates for damage starting from a certain amount.

Example: you paid 5,000 rubles, if the damage is up to 30,000, you repair it yourself. If repairs are needed for a large amount, it will be reimbursed by the insurance company.

Buy CASCO 50/50. When purchasing a policy, pay 50 percent of its cost, and pay the remaining half in case of a complex accident. You save money if you don't get into accidents.

Protect your car only from theft. If your accident-free driving experience exceeds 5-7 years, take out a theft-only policy. It will cost 70-80% less.

Set an alarm. If the car is not equipped with alarm systems, the cost of insurance will increase by 10 - 15%. To save money, install an alarm and add mechanical security systems.

Avoid repairs. Some insurance companies offer to pay only for parts damaged during an accident. You can independently choose a service station cheaper than what the insurer offers.

Remind the insurance company about discounts for length of service. For every year of accident-free driving you are entitled to a 5% discount. Don't forget to tell your insurer this.

Take advantage of promotions and special offers. See which insurance companies offer discounts. To compare offers, use our calculator

When calculating the cost of CASCO, you noticed that the cost of the policy differs depending on the insurance company. To save on buying insurance:

• find out the cost from several insurers,
• use a franchise
• choose an incomplete CASCO package,
• insurance company promotions or special offers

Some insurance companies provide their own great deals.

• “50/50”, when the client and the company split the losses in half.
• "Naked CASCO" is one of the cheapest options.
• “Smart” - the car owner is paid the full cost of the damage, but no more than twice a year.
• “VIP” or “All inclusive” - some conditions are added to the main policy at the discretion of the company.

The cost of a comprehensive insurance policy can be a serious financial barrier for novice drivers. However, insurance companies are meeting young motorists halfway, offering interesting programs, discounts and bonuses.

As a rule, you can count on a discount in the following cases:

• you are a careful driver, attentive and careful behind the wheel - there are special insurance programs for you that return part of the cost of the policy as a bonus;
• You have a used car, so you can take out insurance with a specific form of indemnity in the form of repairs from an unofficial dealer. Thus, the price of a comprehensive insurance policy is significantly reduced;
• you choose a type of policy with a deductible, and this will significantly save your money in the event of a serious accident or even total loss of the car.

So it is quite possible to find the option that suits you and buy comprehensive insurance at a reasonable price.