CASCO is an expensive type of insurance, so the car owner has to deal with several questions, namely, how to insure a car at lower costs, while receiving normal conditions for compensation for material damage in the event of an insured event. And this is possible, you just need to follow a few tips.
Instructions
Step 1
Use the option of payment by installments, but do not pay the entire amount at once, as inflation at the time of the last installment will significantly reduce the real amount. There is also a disadvantage to the installment plan - it is the need to repay it in full upon the occurrence of an insured event.
Step 2
If you are the owner of those brands of cars that, according to statistics, are hijacked less often than others, then this will help you save on hull insurance by 15-20%. It is enough to exclude the item about the possibility of theft from the insurance policy.
Step 3
A franchise makes it possible to reduce the cost of the policy, but for this it is necessary to study all the offered programs. The amount of the deductible is 5-50 thousand rubles. The higher the amount of liability, the lower the cost of the policy. However, it is not recommended to take a zero deductible.
Step 4
When choosing a form of compensation for material damage, it is better to choose a cash payment, then the policy will cost less.
Step 5
Take advantage of discounts and bonuses. For example, if you have a reliable anti-theft system, you may receive a discount, thereby saving on the cost of hull insurance.
Step 6
The more people who have the right to drive a car, the higher the cost of the policy. Therefore, it is better to limit the number of drivers.
Step 7
The younger the age of the drivers and the driving experience, the higher the cost of the CASCO insurance policy.
Step 8
The appraisal of the cost of the car also affects the amount to pay for the CASCO insurance policy. But you should not significantly underestimate the cost of vehicles, because this will affect the amount paid by the company in the event of an insured event.
Step 9
If possible, refuse additional services and the services of emergency commissioners.
Step 10
Sticking the insurer's logo on the glass of the car can give a discount of up to 5% to the cost of the CASCO policy.
Step 11
When calculating the most economical option of CASCO insurance, you can resort to the service of an insurance lawyer who will help you find the best option with the lowest costs for you, but at the same time get the necessary level of insurance coverage for the car.
