Questions savings are always in fashion. People at all times sought to get more by paying less. This is particularly acute in our time of crisis, when every ruble counts, and everyone wants to reduce their costs. Is it possible to save on insurance? And not by dropping coverage as such, but by reducing the insurance premium? Answer: "Yes, we can!". Let's look at potential savings for each type of insurance separately.
Save on insurance
Save on insurance begin, of course, with the most common type of insurance - insurance.
In fact, the issue of savings in the "compulsory insurance of civil liability of vehicle owners" very conventional, in the sense that the price of insurance is uniform in all insurance companies, but, nevertheless, there are some "tricks" that help you pay less . MirSovetov conditionally divide them conditionally on legal and illegal.
For legitimate way to reduce the cost of insurance include:
If you live in a city with a high territorial factor (factor used in the calculation of the cost of insurance), and going to buy a car, think, and whether you have a relative or good friend who lives in the village with less territorial factor. Having the car on him, you'll be able to save on insurance. However, in this case, you will not be the official owner of the car with all the ensuing consequences;
when adopting the law on insurance in 2003, given the size of "discount" for trouble-free ride assigned a particular machine, that is, to change the car, you hereby deprived of "discount" on the new car began to pay the full cost of insurance. To date, this situation has changed, and now account "discounts" being bound to a particular driver. Therefore, buying a new car and insuring it for the first time, make sure that you have on hand was the "insurance history" of all the drivers that you want to include in your policy. This is done by obtaining a certificate from the previous insurer or ask to "own" the insurer from whom you constantly arrange the insurance, and that you already knows;
insurance rules provides that 10% of the insurance premium (insurance fee) goes to the payment of commission (payment for the work of an insurance agent). In practice there are cases when a company to lure customers, pays a commission to the client, that is, you pay 10% less than the commission or you give something for this amount. In any case, you remain in the win. So ask your "own" the insurer if he was ready to give you a commission as a regular customer, especially if you insure more than one car, and more. One should not talk with an agent in the street, but with a staff member in the office of the company.
Illegal ways to save on insurance include:
knowingly buy fake insurance policy that will protect you not only from the very helpful staff of traffic police, and when an accident is absolutely useless. Such a method can give you the most substantial savings (around 50%), but is it worth it to ...?
introduction of misleading the insurer about your insurance history. What does this mean? Terms of insurance provided that the person has committed a traffic accident in future periods will pay a higher insurance. In practice, the following occurs: a person who does not want to pay a higher insurance, just go to another insurance company, which states that the old policy had no help from the previous insurer also want necting me so, and do not want to - I went on. In 99% of cases, it will execute as "first applied", that is, without the "discount", but without increasing the premium. This method still works for the reason that there is no common database for which it would be possible to trace the history of insurance.
The second most common type of insurance - CASCO. How can you save here:
intending to insure the car on Hull, choose an insurance company, and do not go into the first or the one that you "advised". This advice is due to the fact that in contrast to the hull insurance is not uniform tariff set for all insurers. That is, different companies may provide different rates and, consequently, different cost of insurance. Just do not get carried away by the sole choice for the price, it is fraught with consequences when applying for payment, as a lower cost, can offer a smaller amount of liability;
objectively evaluate what you want to get from the insurance:
Do you need a risk of "hijacking + damage" or want only "damage";
if you want to get paid in full or you arrange the payment of "taking into account the wear and tear";
whether you are ready to repair minor damage at its own expense without recourse to insurers, if so, to what extent (this can be reflected in the contract, setting a franchise);
there is a need to include in the contract of persons rarely sitting down behind the wheel if their inclusion increases the payment;
whether you need repairs in the workshop of your choice or to arrange an independent assessment;
if you plan to install additional safety equipment on the car (bollards, labeling, satellite systems).
All these factors can significantly affect the outcome rate (ie price).
Trades! Insurers are not directly referred to the lowest rate they can offer. So it's safe to call a lower rate, that you would like and maybe you give it, or at least reduce the initially voiced;
pay attention to the action undertaken. Cases when shopping for a new car dealerships give Hull as a gift or offer a special low tariff. The only thing that I would like to here MirSovetov advice: do not rush to the low price headlong rate soberly that you offer for her.
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