OSAGO is a mandatory insurance of autocarted responsibility. Absolutely every driver must have a policy of OSAGO, it gives a guarantee of compensation for damage caused by its fault. Not all car owners know, but the cost of insurance will be the same, regardless of the insurance company, and is calculated individually for you on a special formula.
1
The calculation formula is simple. It consists of a basic tariff rate and several coefficients, which determine the final amount. Basic tariff (TB) is a fixed amount, which depends on the category and destination of the vehicle. The car category "B", belonging to the physical face, has TB \u003d 1980 rubles.
2
The next coefficient has a big run, as it depends on the region where the car will be used. The denser the population, the higher the risk of an accident, respectively, the greater the value of the territory coefficient (CT). For example, in the city of Moscow KT \u003d 2, St. Petersburg KT \u003d 1.8, and in Nalchik or in Volgodonsk KT \u003d 1.
3
Significant value is the coefficient of age and driving experience (Sun). It takes the minimum value if the driver over 22 years old and its experience exceeds 3 years, Sun \u003d 1. The maximum value takes under the reverse conditions or when the insurance with an unlimited number of persons admitted to driving, in this case Sun \u003d 1.8.
4
The power factor (KM) grows in parallel with the power of the vehicle engine. In small cars km \u003d 0; Car whose power is above 150 hp, km \u003d 1.6. There is a factor of insurance (COP). It is possible to make a policy of an insurance period for 3 months, but in the ratio it will be more expensive than for a year.
5
If you are a neat and skillful driver, then the next value should not touch you. The coefficient of trouble-free driving (CB) is growing with the appearance of insured cases in your history, where you are a culprit. The restriction ratio of those allowed to driving persons (KO) is 1, if you are alone, and KO \u003d 1.8, if an unlimited number of people can control the car.
6
Knowing the values \u200b\u200bof all indicators, you can easily calculate the cost of your insurance using the OSAGO formula \u003d TB * CT * Sun * KM * COP * KB * KO. It is enough to simply multiply all the coefficients computed earlier.
There are many online calculators on the Internet, which will help calculate the amount that you have to give for a mandatory insurance policy. But accurate, ultimate meaning, taking into account all the nuances, you will certainly say employees of insurance companies, competent and savvy in this matter.
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