Registration of the CMTPL policy is mandatory for all car owners. Its cost depends on various factors, and you need to be very careful about buying insurance. After all, there are several ways to issue MTPL at a discount.
Instructions
Step 1
Before buying an MTPL policy, find out its real cost in several insurance companies. Despite the fact that the base rate is the same everywhere, the final settlement can fluctuate within a couple of thousand. The big insurance companies always cost more than the lesser-known ones. But the point is that small companies need to attract customers, and reducing the cost of insurance is the best step for this.
Step 2
When calculating the cost of insurance, the territorial coefficient is taken into account. It is determined at the place of permanent registration of the owner of the car. The highest coefficient in Moscow. But it makes no sense for Muscovite drivers to register cars in the region in the hope of saving money. But those who are not registered in the capital can buy a policy in Moscow, but with their own regional coefficient.
Step 3
Insurance is the most expensive for novice drivers. Some people think that it is cheaper to take out a policy without a limitation on the number of drivers - open insurance. But in fact, in this case, you cannot win much in price. But a novice driver will lose real years of driving experience, which will not be reflected in the insurance.
Step 4
For drivers who do not use a car in the autumn-winter period, it makes no sense to buy OSAGO for a year. The policy can be issued for a period of 7-10 months. And you will have to pay no more than 70% of the cost of insurance. Moreover, you can always extend the period of use of the policy if the car is suddenly needed.
