How much does car insurance cost?
Car insurance has two main
items. It is a mandatory vehicle liability insurance and a voluntary, additional one
AC insurance, which operates at the moment when the vehicle owner is the offender
its damage or the perpetrator is unknown and cannot be determined.
Insurance depends on many
factors. Its costs are also influenced by many different variables.
Wanting to check on the internet how much will be
the premium for liability insurance for the car you can use
special available tools, such as insurance comparison websites. On
There is a form to be completed on the home page of such a comparison engine.
All you need to do is provide all the required data to receive it after a few minutes
all the necessary information. The biggest advantage of this solution is that
the form is filled in once and you receive from a few to a dozen offers.
The form consists of two parts.
The first concerns the insured himself. Date of birth is required
the policyholder of the driver and the date of acquiring the driving license.
This is the necessary information that affects the third party liability premium first.
Young driver and older driver
will have to pay a little more than a middle-aged driver. Young
the driver pays a higher premium due to the fact that statistically he is the most
dangerous driver. He also has little experience behind the wheel of a car and these
two factors cause it to carry a greater insurance risk.
The greater the risk, the higher the premium.
The older driver pays more because of
reactions get slower with age. The reflex is getting smaller,
and the efficiency related to perceptiveness decreases. That’s what makes it grow
risk of an insured event on the road. As for a young driver,
so here too, the higher the risk is the higher the premium.
The middle-aged driver already has some
experience, and he is also young enough to efficiently and closely observe
environment. So it is not associated with too much risk. His reaction abilities
they are also of a high standard. So statistically, it is not related to large
With regard to the insured person’s data
you must also provide your place of residence. Of course, this is not about being exact
address, but about the place. The zip code should be provided due to
the fact that some places in Poland have the same names. The bigger the city
the higher the premium. This also results from the statistics. In a bigger one
it is much easier to crush the city.
As for vehicle related data, this
here, an important role is played by the engine capacity, vehicle power, and the date of its production
and first registration and mileage. The capacity and power of the engine have such
meaning that the higher the premium is. Faster car, sooner maybe
cause a collision than weak and slow. The course and year of production decide about
wear and tear. The older the car, the more worn-out, the more worn-out, the more it is
more dangerous – hence the higher premium.
Wanting to see how these factors
shape the premium, you just need to enter all the data in the form and wait
for the availability of available offers. Then, you only need to change one of the
parameters and calculate the estimated premium again. The differences can be as high as
multiples of the lowest premium. AND
everything will be clearly and clearly visible when analyzed.
The AC premium is influenced by much more
parameters. Here, apart from the elements mentioned earlier, they are also analyzed
other, additional factors, such as the market value of the car, the scope of protection,
sums insured under additional contracts and the number of these contracts. The more
elements and the higher the sum insured, the insurance premium will be
To reduce it a bit, you can decide
for the purchase of the OC and AC package. This solution allows you to generate some
discounts. Insurance companies that want to attract customers,
offer discounts for purchasing a package with them. As a rule, there is no
such obligation that AC is purchased in the same company in which it was purchased
is OC. This can be done in two different companies. Then, however, it will not work
get discounts. When you buy in one place, you can pay for both types of insurance
That’s how much car insurance costs
so dependent on many different factors. Before making a final
It is worth checking and comparing the available offers when making decisions and concluding a contract. This
the best way to make the policy you buy really the cheapest.