The price policy of the CASCO policy depends on many conditions - the price of the car, its storage location, the number of drivers who will drive it, etc. Many motorists are trying to find loopholes who will save them to save on the policy.
1
Specify from the insurance agent, what discounts and shares are valid in the insurance company. In each organization there are favorable conditions for concluding contracts. In the conditions of tough competition of the company are ready to reduce insurance rates for creating a large stream of customers. Therefore, experts will gladly help you deal with this issue. Each reliable insurance company has a website where you can see the availability of special offers. Everything is simple - select a company that will provide the most favorable conditions.
2
Use the program "50/50". All reliable insurance companies have a good program called "50/50". It provides a discount of 50%. But not every client may take advantage of its conditions, since it provides for age limits, drivers, as well as the form of damage compensation. Therefore, this option is suitable only to experienced refills.
3
Limit a list of drivers who can manage your car. Unlimited insurance will increase the price of the contract several times. Specify the contract of specific people who will manage your vehicle. You can register friends and family members. If you want to allow the management of people with which they are not yet familiar, in the contract you should choose "without restrictions". In this case, the policy will be much more expensive.
4
Use the franchise. This is a fixed amount of money, in which the insurance company will not compensate for the damage when the road accident occurs. Thus, you can significantly reduce the cost of payments and not to contact the company in small damage. For example, if the franchise is 20,000 rubles, and the damage will be of 22,000 rubles, the insurance company will reimburse only 2.000 rubles. But with damage at 100,000 rubles, you will receive 80.000 rubles.
5
Buy partial hull. Full casco provides a guarantee for protection against hijacking and damage to the car. A partial contract will protect the car only from one of two options. The probability of the car's hijacking is very small, so it is more appropriate to arrange a partial policy. But if you have reasons to fear the hijacking of the vehicle, make a full policy.
6
When choosing a form in which you will reimburse damage, select cash. You can offer repairs in the center of the insurance company, from the car seller or elsewhere. But you can give money in cash. If you choose this particular option, the cost of insurance will significantly decrease. Insurance companies tend to underestimate the amount of damage, therefore, insurance payments are reduced.
7
Rate your car. The cost of the insurance policy strongly affects the price of your vehicle. You can estimate the car in the insurance organization or use the services of an independent appraiser. The lower the price of the car, the cheaper the policy will cost. But when the road accident occurs, you will also have to count on a small payment.
The listed tips will help you save on the Casco Policy. If you are a good organizer, refuse to evacuate and emergency commissioners. It will also reduce the price of insurance payments.
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