How to save on car insurance. How can you save money when applying for compulsory insurance?

24.08.2021 | Food and drink

Is it possible to save money on an MTPL policy? Unrealistic - many will say, because all coefficients and tariffs are approved by the state!

However, there are several ways to do this.

Official way

Starting last year, a unified automated database of driver's insurance histories - AIS RSA - began to function in Russia. To date, it includes almost complete data regarding compulsory civil liability insurance for motorists. This means that already this year insurers will begin to more actively calculate the “bonus-malus” coefficient, which makes it possible for careful and law-abiding drivers to receive a discount on compulsory motor liability insurance.

What does this mean?

When concluding an MTPL insurance contract for the first time, the car owner is assigned a coefficient of one. Year accident-free driving allows you to subtract 5% from the coefficient - this is how much the cost of insurance for this driver will decrease next year. Ten years of accident-free driving will reduce the OSAGO level to 0.5, that is, a civil liability policy will cost such drivers half the nominal value.

But one single accident will cause the coefficient to jump to the level of 1.55, and in order to return to the original unit, it will take 2 years of accident-free driving. If during the year the driver had two or more accidents. Go coefficient on next year will be 2.45 and it will take five accident-free years to reduce it to one.

With the beginning of the functioning of databases, the old schemes, when after each accident, car owners could simply change insurance company, keeping silent about the accident, will stop working, because insurers have received full access to AIS RSA data. And if the driver nevertheless tries to deceive the insurance company, and this is discovered, his coefficient will immediately increase to 1.5 for concealing reliable information.

Semi-official way

OSAGO can be issued in interest-free installments. This is not officially practiced, but in reality it is possible. To do this, you need to take out a policy not for a year, but for six months. In this case, you will pay 70% of the annual fee. After six months, you can come to the same company and pay the remaining 30% by the end of the year, and you will not be charged a fee for re-registration. Using the same scheme, you can take out insurance for 4 months and pay 50% of the annual cost, and at the end of the month, pay up to 100%. Considering that the ruble is depreciating every day, the benefits of staged payments are obvious.

Unofficial way

You can register your car to a very responsible relative living in a village or small town. In this case, the use of the territorial coefficient will reduce the amount of your policy by half. For example, a car with the same parameters, registered in Nizhny Novgorod, will cost 3,850 rubles. annual insurance premium, in Vyksa - 2350 rubles, and in some of the villages - 2140 rubles.

Unreliable methods

Sometimes an insurance agent offers a discount on compulsory motor liability insurance. At the same time, he promises discounts of 10, 20 and even 30%, despite the fact that his remuneration does not exceed 10%. Where do the discounts come from then?

If you take out MTPL + CASCO insurance, then the agent can easily afford to give you a discount, because he will receive a reward for both types of insurance. In this case, everything is relatively reliable. True, the discount will most likely be no more than 10%, otherwise - read the next paragraph.
If you are promised a big discount, it is better not to enter into such an adventure. According to experts, today CASCO is not a very profitable type of insurance, and such charity can simply ruin the insurer. If he does offer insurance at a very competitive price, there is a high risk that this company will not last long and may cease to operate long before your insurance period ends. In this case, if an accident suddenly occurs, you will find yourself uninsured. Yes, of course, there is RSA, which must compensate for losses and all that. Just don’t forget what country we live in and how such events can end. A visit from the brothers trying to collect the debt directly from the offender (that is, from you) is clearly not worth the small savings!

Unscrupulous employees of insurance companies sometimes steal forms, which can then end up on the black market. If you purchase such “insurance”, then you most likely will not have problems with the traffic police, but also insurance payment You will not receive any benefits under such a policy. In addition, you may be given a fake. These MTPL policy forms have various degrees of protection, including the inclusion of reddish fibers in the structure of the paper, a metallized strip printed on the back of the policy on the right, and watermarks with the RSA coat of arms.

A person who has dreamed about his car for so long and saved money for it, when buying, does not always think about the fact that the insurance he purchases may be useful to him in life. However, as in any other business, there are some subtleties here - you can and should save on car insurance.

Main types of insurance

Today in Russia there are several types of insurance for vehicle owners.

Car insurance is not only the responsibility of every driver, but increasingly a conscious choice of a person who understands that it is better to share responsibility than to take all the risks upon himself.

The most known species insurance are:

OSAGO (compulsory motor vehicle liability insurance, or simply “motor insurance”) has been in effect since 2003, its mandatory nature is established at the legislative level. This is an agreement between the car owner and the insurance company for compensation in the event of an insured event. OSAGO also insures third party liability.
DSAGO is a voluntary addition to the MTPL policy for events in which the amount of damage is not covered by the mandatory “motor insurance” and can be increased.
The “Green Card” is actually an international version of the MTPL agreement, which is valid in most of Europe. Required for traveling abroad.
CASCO – voluntary insurance against theft and damage to a car or any other vehicle. The victim contacts the company with which he has a CASCO agreement, and it establishes the amount of the insured amount.

Upon registration insurance policy There is always an opportunity to save money, but not everyone has the necessary information, and agents do not always consider it necessary to talk about it. Key points on which payments can be reduced:

Carefully select the size of the deductible (non-covered loss) - the higher the deductible, the greater the discount awaits you. If you don’t want to contact the insurance office for every little detail, when it’s easier to resolve the issue yourself, then you can increase the deductible amount.
Explore the possibility of paying for the policy in installments. If you have free money, you can pay immediately and get a 2-5% discount; if not, then installment payment will come to the rescue (two parts of 50% or four parts of 25%). It is only important to clarify whether the company requires an additional contribution when paying in installments.
Maintaining a clean “insurance history”. A client's insurance history that breaks even for the company often makes it possible to receive a discount of 3 to 10%. For example, the compulsory motor insurance policy sets standards of 5% for a year without accidents and 10% for two years.
Installation modern means. When completing the contract, the company representative will draw attention (or you will draw his attention) to the modern anti-theft system you have installed or high-quality tires for winter conditions. The chance of getting a discount is quite high.
Selecting a list of risks that will be included in the contract. You can omit certain risks that you consider less real from your policy and save up to 20% of money. But at the same time, you will not be afraid that exactly the misfortune that you did not insure against will happen to you.
Option with comprehensive insurance. If you insure not only your “iron horse”, but also your home or your life with one company, this will be appreciated by a discount, sometimes quite significant, and various bonuses.
Registration of a policy via the Internet. Large companies have online stores in which the client can independently study all the services offered by the company, fill out a form and send necessary information to the insurer. Then it's up to the company consultant. Benefit – from 5 to 15%.
Possibility of having a corporate program. Relevant for employees of large companies who, due to their activities, cooperate with insurers. Due to established contacts, it is likely that employees of the company will be provided with preferential rates.
Receiving indirect benefits in the form of additional services. Even if you buy a policy at full price, you can get something in return. Thus, many insurers provide free assistance to clients, such as issuing certificates from the traffic police, dispatch of an emergency commissioner to an accident, tow truck services, discounts on services at partner technical centers, etc.

As you can see, there are quite a lot of options for saving the family budget; you just need to make some effort. On the other hand, a policy that is too cheap should alert you; this indicates that you are not informed about everything or that the contract contains nuances that in some cases will cause a lot of inconvenience to the client.

Therefore, we advise you to be patient and carefully read the entire text of the contract, including clauses and footnotes in small print. We have already discussed most of the issues regarding compulsory motor liability insurance in the article. There we analyzed in detail the methodology for calculating the cost of compulsory motor liability insurance, all the decreasing and increasing coefficients involved in it, and also analyzed the calculation of the cost of compulsory motor liability insurance for a light car individual on specific example

. In this article, I would like to focus on various recommendations for obtaining car insurance that will help you minimize the cost of your MTPL insurance policy in an absolutely legal way.

How to reduce the cost of an MTPL insurance policy If you live in big city
, then, if possible, try to register your car in the name of some relative living in a rural area. This way you can reduce the cost of compulsory motor liability insurance by almost half.
The fact is that the coefficient of the territory of primary use used to calculate compulsory motor liability insurance is higher, the larger the locality where the car owner is registered. This is explained by more intense traffic and, accordingly, a high probability of accidents in populated areas. So for most of the large cities of Russia (such as Rostov-on-Don, Volgograd, Nizhny Novgorod, Krasnodar) the coefficient of the territory of primary use is 1.8, but for rural areas it is mostly set within 0.6 - 1.0. Thus, it turns out that it is much more profitable to “link” your vehicle to sparsely populated cities and rural settlements by registering the car in the name of one of the close relatives living there. Find out the values of the coefficients of the territory of primary use for different settlements
Russia can.
The thing is that the driver’s age and experience coefficient, which is responsible for the experience of drivers allowed to drive the insured vehicle, increases significantly (up to 1.6 - 1.8) for persons under 22 years of age and with less than 3 years of driving experience. -x years.
Try not to include drivers who are known to be dangerous in accidents (especially those with driving class 0 or M) in the list of persons allowed to drive a vehicle - this is not only risky for your vehicle, but also significantly increases the cost of compulsory motor liability insurance (for drivers with driving class 0 or M – more than 2 times).
According to the rules, the bonus-malus coefficient (BMC), an indicator responsible for encouraging the driver for accident-free driving, is calculated for each of the drivers included in the insurance separately, and the maximum of the resulting coefficients is taken to calculate compulsory motor liability insurance. And therefore, even if you are a super-safe driver who does not have a single accident on your account, instead of a discount you will receive a huge increase in the cost of insurance due to the inclusion of another negligent driver.
If you still need to include a young, inexperienced driver (less than 22 years old and with less than 3 years of experience) or a dangerous driver with driving class 0 (KBM = 2.3) or M (KBM = 2.45) in your MTPL insurance policy, then it is better to take out unlimited insurance (i.e. insurance with an unlimited number of persons allowed to drive the vehicle).
In the first case, with the same cost of compulsory motor liability insurance (the coefficient in both cases is 1.8) you will receive more possibilities and fewer hassles, and in the second case you will also benefit significantly in the cost of the insurance policy (the unlimited insurance coefficient of 1.8 is much less than the KBM coefficients of 2.3 and 2.45).
Before applying for an insurance policy, call (or check online) all insurance companies operating in your locality for prices on the basic compulsory motor liability insurance rate for your vehicle, thereby trying to determine where it is the lowest. But do not forget, of course, to take into account the status and integrity of the chosen insurance company.
If previously the base tariff (a certain monetary value, from which they actually start when calculating compulsory motor liability insurance) was a fixed amount (for any insurance company), then from April 12, 2015, this is already a kind of monetary corridor, allowing insurance companies to vary the cost of compulsory motor liability insurance and, or attract customers with cheaper offers, or, on the contrary, set the highest possible tariff and attract customers with your well-known and well-known brand.

Basic rates of the most famous insurance companies

In fact, when analyzing the base rates for the most common auto insurance product - MTPL insurance policy for a passenger car of an individual– it turned out that most of the top insurance companies set the maximum possible amount of the basic tariff in 4118 rub. for all regions of Russia. Only a few settlements received an average ( 3700-3800 rub.) and the minimum value ( 3432 rub.) base tariff. At the same time, with minimum rate The basic tariff is most often found in Moscow and the Moscow region.

Below I will give the values of basic MTPL tariffs for a Class B passenger car for an individual in the most famous insurance companies:

Alfa insurance: Moscow and Moscow region, Novosibirsk, Vladivostok, Kaliningrad – 3432 4118 rub. (max).
VTB Insurance: Moscow and Moscow region – 3432 rub.(min), in other regions – 4118 rub. (max).
VSK: in all regions – 4118 rub. (max).
Ingosstrakh: Moscow region, Novosibirsk region, Chelyabinsk region - 3700-3800 rub., in other regions – 4118 rub. (max).
MAX: in all regions – 4118 rub. (max).
Renaissance Insurance: Moscow - 3432 rub.(min), Moscow region – 3775 rub., in other regions – 4118 rub. (max).
RESO-Garantiya: Moscow region - 3775 rub., in other regions – 4118 rub. (max).
Rosgosstrakh: in all regions – 4118 rub. (max).

What do we expect from insurance? First of all, so that the payment takes place - quickly and without unnecessary problems, so that it is closer to home, and even better, so that a representative of the company comes for all the formalities directly to our office or home at a time convenient for us, and of course the price of the service is important, because We don’t get anything tangible - except a beautiful policy form - in return. How can we save money on purchasing insurance that we all hope we won’t need at all? There are several ways, knowing which, you can reduce your expenses.

1 . Having a good insurance history. Save policies and contracts for all periods of insurance, because having an insurance history, especially a break-even one, entitles you to a discount of 3% to 10%, for example, the legislation provides for a discount for break-even driving in the tariffs for compulsory motor liability insurance - 5% for the first year of insurance and 10 % for 2 years of insurance without an accident.

2. Application of a franchise. Excess is that part of the loss that is not paid by the insurance company. When taking out a policy using a franchise, the discount on insurance will range from 5% to 40%. And the larger the established franchise value, the more significant the discount you can get. However, do not rush - you need to carefully weigh everything: you should save insurance costs in this way - after all, it turns out that with minor losses you will not be able to contact the insurance company for payment, but will bear these costs yourself. On the other hand, this is very convenient, because in case of minor losses, you can avoid a bunch of formalities associated with paperwork for an insured event, and deal with the problem that has arisen yourself, and in case of a large loss, which the family budget cannot cope with on its own, you can ask for help from the insurance company.

3. Installment plan. Many insurance companies provide a discount of 2% to 5% when paying for the policy in full when concluding an insurance contract. This is understandable: after all, there is a risk - the client will ask for an installment plan and will not pay the next installment, the insurance company will lose the expected contribution, and here - everything at once! Standard types of installments are either two payments of 50% each, or quarterly installments of four equal payments of 25% of the total policy cost. Installment plans allow you, if not to save, then to distribute expenses over time, which is important and sometimes necessary for the family budget. Some insurance companies provide their clients with the opportunity to pay the premium in installments without charging an additional premium, but in this case it is important for the client not to forget to make the next payment on time, otherwise the policy will be canceled by the insurance company.

4. Installation of protective equipment. Additional protection never hurts, and if the insurance company is confident that you value your property and intend to take care of it, they will certainly provide you with an additional discount. You can convince the insurance company of your careful attitude towards your property only by taking care of valuable things, for example, installing a modern anti-theft system on your car, purchasing high-quality winter tires, installing a reliable iron door and a video surveillance system in your apartment. When inspecting the insurance object, a representative of the insurance company will definitely pay attention to these nuances and offer the thrifty owner a well-deserved discount.

5 . Experience and age of drivers with car insurance. When insuring a car, driving experience plays an important role. If among the drivers who will be driving the insured car, all are over 22 years old and have more than 2 years of driving experience, you can safely expect that the policy will cost less than for beginners.

6 . Selecting a list of risks. You can highlight those risks that you are especially afraid of and insure them. For example, do not insure car theft, but only protect against road accidents. But in this case the discount will be no more than 20%, and worry about possible losses will not let you sleep peacefully at night, so this method savings may not be the most reasonable, because none of us can know for sure what risks threaten our property.

7 . Search for a corporate program. If you are an employee of a large company, be sure to ask your administration - probably among the long-term partners of your company there is an insurance company that will not only protect the interests of the employing organization, but also offer favorable tariff plans for its employees. And this is not only a profitable way to save money, but also a reasonable approach to choosing an insurance company, because if the insurer has a good relationship with your company, the company’s employees should not have problems making payments, and if something happens, you can always complain to management!

8. Comprehensive insurance. If you have set yourself the goal of reducing insurance costs, but at the same time you need a policy not only for a car, but also a home insurance policy or accident insurance, be faithful to your insurance company, and it will reciprocate your feelings - a discount for comprehensive insurance and gifts for regular customers will not keep you waiting! In addition, large companies, in order to maintain long-term friendship with their customers, include them in the mailing list and notify them of seasonal discounts, special promotions and prize draws. You can not only save money, but also get nice gifts for yourself and your loved ones.

9. Insurance via the Internet. Modern technologies could not ignore insurance - some large insurance companies have opened online stores on their official websites, where you can independently study the catalog of insurance products and select the desired policy. A potential client can fill out an online form - provide the information necessary to calculate the tariff, after which the insurance company consultant will send a commercial proposal. When ordering a policy via the Internet, the client has the opportunity to save 5-15% of the cost of the policy, depending on the type of insurance, and can also save time on a trip to the insurer, because usually when ordering insurance via the Internet, the service of free delivery of the policy to the client’s home or office is offered. Keep in mind that it is necessary to prepare in advance the required amount of cash to pay for the policy, since credit cards are usually not accepted by insurance company representatives when visiting the client.

10 . Receiving additional services. Sometimes, with the same cost of an insurance policy in different companies, the client receives completely different lists of services for the same money. In some places there is only basic service, in others there is a whole range of pleasures. To attract customers, some companies offer additional services to the car insurance policy - evacuation of damaged cars, emergency dispatch to the scene of the accident, discount cards for other types of insurance, discounts on repairs and maintenance at the insurance company's partner technical centers. Many clients, especially novice drivers, attach great importance emergency dispatch service. Undoubtedly, the presence of such a service will give us confidence that in case of trouble we will be helped knowledgeable people. Be prepared for the fact that emergency commissioners - like emergency doctors - have seen a lot and do not show too much sympathy, although they always know what to do in a traffic situation and actually provide real help. Caring insurers temptingly offer a simplified procedure for settling a car insurance claim, which includes obtaining certificates from the traffic police for the client, independently driving the car to a technical center, and sometimes even providing a replacement car, which is especially important in winter.

Our advice

Keep in mind that there are also some mythical ways to save on insurance. Such methods will not only not help you preserve your property, but will also fray your nerves, so be more careful and be sure to take our advice into account.

Incredible discounts on everything. Unfortunately, there are still unscrupulous insurance companies on the market that can offer policies at a 50% discount - this is similar to selling policies due to liquidation. But what is good for a boutique retail chain is by no means suitable for the insurance business. You should not take advantage of such offers, because in this case, apart from a beautiful policy and promises, you will definitely receive nothing. Be careful when saving on insurance - this is exactly the case when the stingy pays twice!
Discounts for MTPL. An insurance company can only provide discounts provided for by current legislation, so if you are offered an MTPL policy at a noticeably lower price, you should be more careful about such an offer.
However, if at the offices of an insurance company you were offered a gift with your policy, do not be afraid of a catch; in order to attract clients, many insurance companies include such expenses in their budget. There are clinics where making an appointment with a doctor is carried out only during a personal visit, there is no telephone dispatcher - you understand, this was done in order to reduce the number of visits to the doctor - who will go to the reception just to make an appointment, and the likelihood of getting an appointment with the right one doctor on the same day is extremely small. Doctors at paid clinics - like technicians at car repair centers - will offer various diagnostics that are not related to the type of disease, but they will not do any harm, but you will have to pay money for them, since in most cases a limited list of services is included in the insurance. A medical policy offered as a social package in large companies, as a rule, is just a formality - it does not cover most of the main reasons for visiting a doctor. And this is understandable - with extended coverage, the employing company risks losing a valuable employee who regularly leaves the office for a set of free procedures.
Cheap car insurance policy against theft and damage. An insurance company may offer a very low rate for car theft insurance, but the contract may stipulate that insurance compensation will be paid only if the car is stolen from a guarded parking lot. Obviously, if you look into it, such a policy is unlikely to protect your interests. The reason for the low cost of a car insurance policy against damage may be the condition that the car is repaired in a garage service, and even with the installation of old spare parts. For a new luxury car that must be serviced by an authorized dealer, such repairs are like death. At the same time, the promises of unqualified insurance agents have no legal force and insured event