Insurance of a new car against damage and theft (CASCO) is used today almost as often as OSAGO. Only here in different insurance companies the cost of such a policy varies. To make a decision on the need to insure a car under CASCO, try to calculate the cost of your insurance yourself.
When calculating the CASCO policy, take into account the risks that you want to insure. If this is partial insurance, for example, only against damage to the car, then it will cost less than a full complex for theft or damage.
Also, the cost of the CASCO policy is influenced by the technical characteristics of the car: its brand, model, year of manufacture, engine size and horsepower. The newer and more powerful the car, the higher the price of insurance. Also of no small importance is the estimated insurance amount, which is calculated from the average market value. Lowering this sum insured will bring you a discount on your policy.
The next step, which is taken into account when carrying out the calculations, is the age of the drivers who will drive the vehicle. And also their driving experience. The younger the age, the more expensive the insurance. The same goes for the driving experience. With a short experience, the cost of insurance can increase by several thousand rubles.
Existence of a deductible for insurance. If you choose this option, then the policy will cost less. Moreover, the less, the greater the amount of the franchise. Your insurance history also affects the cost of the policy. If you have not been involved in an accident with your car, then you have a chance to reduce the cost of the policy by up to 30%.
The place where you usually have a car is also taken into account. If he is in the garage, the cost of insurance is lower. If outdoors, add some more to the total cost. It is from all these parameters that the final cost of the policy is formed. If you want to calculate the cost accurately, call the insurance company and ask a specialist for the amount.
You can also calculate the amount of insurance (preliminary) on the Internet on the website of any insurance company. To do this, you only need to select the "CASCO insurance" category and enter the information you have in all the proposed fields. As a rule, it is basic: the make and model of the car, the year of manufacture, the engine size, the number of horses, the region of the contract, the length of service and age of the driver. After that, the system will calculate the approximate cost of your policy.
If you want to get information on several insurance companies at once, contact the specialized insurance departments. There they will calculate the average cost of CASCO for several insurance companies and offer you the most convenient option.