Proven Ways to Get Cheaper Third Party Liability Insurance

What to do and what not to do to save on compulsory car liability insurance? We offer several ways to buy a policy cheaper.

Drivers often refuse to buy an OSAGO policy, considering it an unnecessary waste. According to the estimates of the Insurance Guarantee Fund (SGF), there are about 250 3,3 cars on the country's roads. cars without valid insurance! The trouble is that in this way you risk not only up to XNUMX thousand. PLN is fine, but also much more financial trouble after an accident or collision.

— Illegal refusal of MTPL is in fact the worst decision and only a visible chance for salvation. It is worth remembering that the price of MTPL depends on so many factors that every driver has a chance for a lower premium. It is enough to consult with a consultant who and under what conditions can receive discounts from the insurer, says Przemysław Grabowski, an expert of the multi-agency CUK Ubezpieczenia.

There are many ways to buy cheap third party liability insurance - we present some of the best ones.

Parent, professional driver, farmer and…

If you belong to the so-called privileged professional group, you have a chance at cheaper third party liability insurance. This applies primarily to those people for whom the risk of a potential accident seems to be lower than for the average driver. As a result, incl. Professional drivers in some insurance companies can save up to 10%, parents of children under 7 years old can count on a discount of up to 15%, and farmers will buy OSAGO even 20% cheaper.

Compare prices in different companies

The cheapest and most expensive civil liability insurance for the same driver can differ from each other by several hundred zlotys (in different companies). Comparison of offers will allow the car owner to choose the most profitable policy, that is ... the cheapest. Because in the case of third party liability insurance, the scope of which is determined by law (it is the same for all insurers), price plays the most important role. - Such big differences arise because although insurers use the same criteria for calculating third-party liability insurance premiums, they interpret them differently. For example, one company is ready to treat drivers favorably, while others will definitely raise prices, explains Przemysław Grabowski.

Be careful and do no harm

An accident or accident in the past always increases the cost of third party liability insurance. This is confirmed by the trial calculation of the premium for a 40-year-old from Warsaw, owner of a Toyota Corolla. If this driver had been driving without injury, he would have paid PLN 405 for civil liability insurance. In turn, one, even insignificant, collision over the past year leads to an increase in the price of the policy to PLN 571. It also works the other way around. The more careful you are on the road, the greater the insurer's trust in you as a driver (and hence the discount on civil liability insurance).

Buy insurance packages

Car owners who, in addition to civil liability, also intend to buy motor hull insurance (AS), by combining these insurances into a package, will certainly receive a lower price than when buying policies separately. It is important to note that this applies not only to auto insurance, but also to property insurance. To the package of compulsory civil liability insurance, you can add the protection of the apartment, receiving financial benefits from such a connection.