How is the CASCO cost calculated? Online calculator

The policy of voluntary motor insurance KASKO will become a reliable protection against losses in the event of an accident, drowning, theft or fire of a vehicle. The cost of a policy depends on several factors, and the insurance in this case is divided into partial, when only the damage is covered, and complete, when the amount of loss is returned to the owner of the car in case of theft and damage. The basic requirements for the insured at KASKO are stipulated by the rules of the specific insurance company, and they concern the driving experience, tariffs, the number of car thefts of a certain brand.

You can choose an insurer yourself, or using the services of a broker, paying attention to the following criteria. So, the company must have a license to conduct insurance activities, make payments in full and within the specified time, have many positive reviews and experience in the implementation of similar services, offer policy design under optimal conditions. In any case, auto insurance starts with determining the exact cost of the car, then the amount of the fee is calculated, and then the policy itself is directly executed. Before signing the contract, you should carefully read all of its points, which describe not insurance and insurance cases.

Acquisition of the CASCO policy is not a simple event requiring an appropriate approach. Therefore it is recommended to pre-use the KASKO online calculator, which shows the approximate price of the policy. The cost of insurance will be related to the type and brand of the vehicle, the year of manufacture of the car, the experience of the car owner. For example, if the driver is 20 years old, his driving experience is less than two years, and the insured vehicle is one of the most frequently stolen vehicles, the CASCO policy will cost a round sum.

A brand new car can often be insured at a discount, taking advantage of special promotions and programs of automakers and salons. For such cars, the cost of the policy can be 5-6% of the car's price. Most often the cost of CASCO is 6-12% of the price of the "iron horse", and in the case of auto insurance with a right-hand drive and a decent operating life, it can increase to 15-17%, or even more. It should be remembered that on domestic cars and foreign cars, issued more than ten years ago, the insurance of KASKO (online calculator) will be quite difficult, since only a limited number of insurers offer this service.

The automatic calculator located on the websites of insurance companies is not an effective tool for determining the price of the policy, since at the time of counting it takes into account only the main data. Therefore, after a preliminary count, you need to call the representatives of the insurance company, and find out whether they take into account the following nuances at the time of auto insurance:

• Number of drivers allowed to drive;
• Driver's experience of the person making out insurance;
• The cost of the machine itself and the unprofitable insurance of this model;
• Garage storage of the vehicle and the presence of satellite signaling in it.

Based on the answers of the representative of the insurance company, drivers have the opportunity to analyze the profitability of buying a policy. For example, if the policyholder has a decent driving experience, manages his car himself, stores his vehicle in a parking lot or in a garage, the terms of auto insurance can be the most profitable for him. However, in any case, you will first need to get acquainted with the exact calculation of the cost of the CASCO policy, and also carefully study the insurance contract, and only then draw conclusions and acquire insurance.