Cheap car to insure or what?
Mark
The basic information about a car is, of course, the brand, which insurance companies consider as one of the variables that affect the price of OC. As it turned out, some manufacturers are considered low-risk in terms of insurance, which leads to low insurance premiums. Statistics show that, on average, the owners of Dacia, Daewoo and Suzuki cars pay the least for the policy, and the most expensive OC falls on cars from manufacturers such as BMW, Audi and Mercedes-Benz.
Engine power
Just as not all Suzukis and Daewoos are cheap to insure, not all BMWs and Audis are expensive in this regard. One of the key aspects that affect the cost of buying a policy for this model is the engine size. Cheap insurance waiting for owners of cars with a low-power power unit with a capacity of 1000-1400 cmXNUMX3.
Production year
In the context of the size of the insurance premium, the year of manufacture of the vehicle is of less importance, although one can speak of a certain, albeit small, influence. Generally, you can buy liability insurance for a new car for less money. Owners of more expensive cars cause slightly less damage on the road than old ones with very high mileage - you can guess that, given the cost of their vehicle, they simply drive safer.
safety
When calculating a premium, insurance companies want to know what safety features a car has. If you have an immobilizer, a GPS locator, or a mechanism that locks up your steering wheel, gearbox, clutch or gas pedals, you can expect slightly cheaper liability insurance. However, the price difference is small even compared to a car without any additional protections.
Parking space
Where you leave your car overnight affects its safety. Obviously, the chance of breakage, theft or scratches is higher in an unguarded street parking than in a closed garage. Therefore, if you park your car on the street, you should expect a slightly higher surcharge.
Method of use
While personal use of the car does not affect your premium, using it in other ways can increase it significantly. Companies are introducing much more expensive liability insurance for people using the car, for example as a taxi or as part of a driving course. This is due, of course, to the fact that this form of use increases the insured risk of the car.
The course
This refers both to the total mileage, that is, the number of kilometers traveled, and the expected annual mileage. Generally, as both values increase, OC also becomes more expensive. Why? Because the more miles a car travels, the more likely it is that its driver will cause damage to traffic.
Damage
Also, the size of the insurance premium depends on whether the car is damaged. Owners of cars with various kinds of defects pay slightly more for the OS than owners of fully serviceable models. If your insurance is about to expire, find the best deal on the free online comparison site available at calculator-oc-ac.auto.pl.
