It is extremely easy to get acquainted with the cost of the policy - you enter the data in the calculator, click on "Show prices", and get close to the final cost of insurance in different insurance companies. What data must be entered to issue insurance, and how does it affect the price:
Car number . If you enter the number, all or almost all data about the car will be filled in automatically.
Brand, model . These significantly affect the price for which you can get a policy – insurance companies have entire databases that store the current market price of different cars, the frequency of thefts, and so on.
Year of manufacture . The older the car, the more problems it has accumulated and the lower the market price. Age affects CASCO policies individually, the insurance company looks at what outweighs: an increased risk of breakdown or a reduced market value. By the way, it is extremely difficult to get a voluntary insurance policy for a car older than 10 years.
Engine power . Needed more to clarify the model, has little effect on the price.
Is the car on credit ? An important parameter, since CASCO for a car with an encumbrance differs from CASCO for a car without an encumbrance. At a minimum, the insurer must be certified by the bank, i.e. not all insurance companies will suit you. In addition, the beneficiary in case of loss/theft must be the bank, and banks usually want to receive the entire amount.
Is there a valid policy ? This is also important because the procedure for reissuing insurance takes less time – you may not even have to provide the car for inspection.
The period in which you need to issue a policy . The faster you want to purchase a policy, the fewer options you will have.
Region of owner registration . The last important point in the online calculator is that based on statistics of accidents and car thefts in the region, the insurance company can lower or raise the cost.
What else influences the cost:
Drivers . In CASCO, everything works almost the same way as in OSAGO: if you do not limit the circle of people, you get the maximum coefficient for this article; if you limit the circle of people, then you get a specific coefficient. The difference between compulsory and voluntary insurance is that with OSAGO, the KBM is calculated, which is the same for all insurance companies, and with CASCO, each insurance company calculates coefficients according to its own algorithms.
Risks . You can select all risks, including a meteorite fall, or you can include only the most basic ones - theft/loss. More risks - higher price.