The voluntary CASCO insurance policy has a very high cost, which is why car owners are especially careful when choosing an insurance company. The main problem when choosing a particular product of an insurance company is that CASCO programs from different companies differ greatly in the volume of services included in them, and choosing insurance only “by price” is not entirely correct.

In this article we will try to analyze how the cost of a CASCO policy is formed; what are the main and indirect factors that influence the cost of the policy; what legal ways exist to reduce costs; and also formulate conclusions about which insurance company you can buy a CASCO policy at the cheapest.

Why does the cost of CASCO differ significantly?

As already mentioned in the introduction, choosing a CASCO policy based solely on the cost of the policy is wrong. This is explained by at least three reasons:

Heterogeneity of insurance products

In order to somehow stand out from competitors, insurance companies create “unique offers” that differ not only in the cost of CASCO policies, but also in the range of services included in the policy. Thus, each insurance contract takes on an individual character, so when choosing an insurance company, it is important to compare not only the price of the policy, but also everything that is included in it.

Based solely on price and consciously buying the cheapest CASCO insurance, the policyholder must understand that if certain insured events occur, the insurance company will not cover the cost of restoring the car.

Risk Ratio Differences

All insurance companies calculate the risk ratio differently, which directly affects the cost of CASCO. For example, the price of a policy in the Moscow region may differ markedly from the cost of a policy in the capital itself. That is why in some cases it is cheaper to conclude a CASCO insurance contract in a neighboring city or region.

Narrow specialization of companies

Some insurance companies specialize in working with specific classes of cars, the owners of which they are ready to offer the most profitable and cheap programs. However, for other categories of cars, the CASCO price in such companies remains inflated, which is reflected in its average market tariff. Therefore, it becomes very difficult to trust all sorts of ratings and TOPs.

Based on the above reasons, policyholders should not waste time and effort searching for that “special” insurance company that will offer the most profitable and cheap CASCO insurance. It is more rational to choose an organization with impressive experience and a good reputation, and based on the services it offers, try to save money.

How to save on CASCO insurance while limiting risks?

By purchasing a CASCO policy, you can exclude from the contract some risks that, in the opinion of the car owner, do not threaten his property. So, for example, if a car spends most of its time in parking lots or parking lots, you can eliminate the “Risk of falling objects” (falling icicles, branches, trees, hail, etc.). Moreover, experienced drivers can even eliminate the “Risk of an Accident”. Thus, in the event of an accident due to the fault of an opponent, compensation for losses is compensated by the MTPL policy on the part of the culprit.

Also, the cost of the policy can be reduced by refusing some services or agreeing to special terms of the contract. Such a policy is called “Partial CASCO” and, as a rule, it provides for conditions of the following nature:

• You can apply for insurance compensation only once during the policy period;
• compensation for damage is not provided without certificates indicating an insured incident;
• insurance compensation does not provide compensation for damage to glass elements of the car or certain body parts that do not have accompanying documentation;
• You can apply for insurance compensation without certificates for damage to glass elements only once during the validity of the policy.

The amount of savings on CASCO when choosing a “partial” policy averages from 20 to 35%. Such programs are in practice beneficial for both car owners and insurance companies. The main thing when choosing “Partial CASCO” is not to abuse the opportunity to reduce the cost of the policy.

Saving on CASCO due to franchise

The greatest savings on CASCO arise from the franchise, according to which the car owner voluntarily waives a share of insurance payments in the event of damage to a pre-agreed amount. The franchise amount can be expressed both in monetary terms and as a percentage of the market value of the car.

Thus, the higher the deductible amount, the cheaper the policy. However, it must be taken into account that there are two types of franchise: conditional and unconditional. The first implies deprivation of insurance compensation if the amount of losses after an accident is less than the amount of the deductible.

For example, damage after an accident amounted to 10,000 rubles, and the conditional deductible under the contract was 15,000 rubles. In this case, insurance payments under CASCO are not provided and the car owner must pay for the repairs himself. However, it is worth remembering that in the event of an accident, the injured party is insured against losses under the MTPL policy and will receive compensation from the person responsible for the incident.

The second, unconditional deductible, guarantees a mandatory deduction from the entire amount of insurance payments, regardless of the nature of the accident and the amount of losses.

For example, damage after an accident amounted to 30,000 rubles, and the unconditional franchise under the contract was 15,000 rubles. Accordingly, the amount of insurance payments under CASCO will be 15,000 rubles, taking into account the deduction of the deductible.

Ultimately, the deductible amount can be up to 70% of the amount of insurance payments under CASCO. However, it is advisable to subscribe to such conditions only if minor damage frequently occurs, which may negatively affect the history of insurance payments, and in the future, when applying for a new policy, cause its inflated cost.

Savings through discounts from insurance companies

All insurance companies, without exception, provide clients with discounts on CASCO insurance. The most common options to save on CASCO through discounts are the following:

There are also more complex discount systems that take into account various factors inherent to the insurance company’s client. Therefore, before buying CASCO, it is recommended to take advice from the manager of the insurance company and familiarize yourself with the full range of current discounts that will allow you to get the most profitable CASCO.

On our website, visitors are given the opportunity select, calculate and purchase a CASCO car insurance policy online. Thanks to this service, you will no longer need to independently visit the offices of insurance companies and study a lot of documentation in search of the optimal solution. Moreover, insurance is one of the most important areas of life, providing confidence in the future and protecting your property from unforeseen situations. This is especially true for car insurance, since it is the car that is exposed to potential danger on the roads every day, and thanks to the CASCO policy, you can protect yourself from material costs in the event of an accident, theft or other insured events.

What is CASCO and why is it needed?

CASCO is voluntary insurance of cars and other vehicles against damage, theft or theft. This policy is useful for drivers who want to protect themselves from any problems; it provides for the repair of the car at the expense of the insurance company in any case (after a traffic accident or damage to the car without an accident), as well as compensation for the cost of the car in case of its complete destruction or in the event hijacking

When can CASCO become mandatory?

Taking out a CASCO policy may be a mandatory requirement when applying for a car loan, so we recommend that you select, compare and calculate in advance the optimal insurance option based on the price and conditions of car insurance.

How to choose an insurance company?

Each insurance company independently determines the price of CASCO insurance and calculates its tariff schedule for the policy. In addition, if the owner of the car does not comply with the requirements mandatory for a certain company (insufficient amount of security equipment on the car, etc.), then the conclusion of the contract may be refused. Therefore, to calculate the cost of CASCO and conclude an insurance contract, a large number of factors and nuances are taken into account.

The process of insurance payments under CASCO also has its own characteristics. First of all, this is a method of compensation, which is specified in the contract and can be carried out in the form of placing the damaged car for repairs at a service station, or by transferring funds to the client’s account. To effect insurance compensation under CASCO, in most cases, a court decision is not required (unlike compulsory motor liability insurance). To receive compensation under CASCO, you must contact the office of the insurance company and prepare the necessary documents.

How to calculate the cost of car insurance online?

When choosing a CASCO policy from various insurance companies the main difficulty lies in the large amount of data, which must be taken into account when calculating. Such data includes:

• driving experience of the car owner;
• the number of drivers driving this vehicle;
• driver age;
• cost and make of the car;
• and much more.

Therefore, to save your time, on the website you can quickly calculate the cost and select a CASCO policy only by filling out the fields of the calculator with basic information.

How to use the car insurance calculator?

In addition, our website provides basic calculation options for the most popular brands and models of cars. Calculations were made based on average indicators and allow you to instantly estimate the price of the policy, as well as calculate a more accurate cost by changing some data in accordance with personal information.

Only reliable insurance companies!

You no longer need to ask questions about calculating the most profitable CASCO insurance or how to calculate the cost of insurance for a new or used car - our online calculator knows everything about the offers of leading insurance companies. If you use our service, you will receive an additional discount on CASCO insurance and other benefits.

We offer this profitable solution for quickly and efficiently determining the cost of insurance, choosing a reliable insurance company and the ability to purchase a policy at low rates. Best service for less money. The offers for which calculations are carried out are presented on the page with all CASCO packages, but it is still better to trust the specialists.

In which cities can you get a policy?

You can use our CASCO calculator to make a calculation and find out how much the cheapest insurance policy costs in Moscow, St. Petersburg, Samara, Yaroslavl, Yekaterinburg, Chelyabinsk, Perm, Nizhny Novgorod, Krasnodar, Tver, Saratov and other cities of Russia, after Why take out a policy at the indicated prices at the nearest office of a suitable insurance company.

Provide your car with reliable protection against theft, theft and other unpleasant situations. With a CASCO policy from Liberty Insurance, you will gain confidence in the safety of your car. And free bonuses will allow you to get maximum opportunities for the same policy cost. When purchasing CASCO, do not forget to take advantage of loyalty programs and receive miles, points and other benefits from our partners.

The CASCO policy from Liberty Insurance includes insurance coverage in the following situations:

• car theft or theft;
• damage due to an accident;
• damage due to the actions of road services;
• fire, explosion, combustion;
• natural disasters;
• collision with a parked car, collision with objects, animals or people;
• theft of individual car parts;
• damage to the car by objects that flew out from under the wheels of other cars;
• falling snow, ice, other objects and much more.

When purchasing a CASCO policy, you can also include the risks of damage or loss of additional equipment, accidents, civil liability and additional options: insurance in Europe, theft/damage to wheels, payment of the full cost excluding depreciation, etc. for CASCO insurance.

Reasonable savings when purchasing a CASCO policy in Moscow

We don't want you to overpay for CASCO. Our automated pricing system takes into account all the most important factors affecting the cost of the policy: experience, driver age, marital status, credit history, etc. This approach to tariffs allows our clients to receive a fair and transparent price for a CASCO policy. Don't forget to take advantage of special offers - we have a convenient discount system. Find out all the ways you can save money.

CASCO insurance – convenient and profitable

• 24/7 Contact Center support 8 800 100-2-100.
• Calculate the cost of a CASCO policy online in just a few minutes, the ability to pay on the website.
• A wide range of risks - from theft to accident insurance.
• Large selection of useful extras.
• Flexible tariff setting.
• System of discounts and bonuses.
• Possibility of installments without increasing the cost of the CASCO policy.
• Aeroflot Bonus loyalty program, S7 Priority.
• Free delivery of the CASCO insurance policy at a convenient time.
• Windshield repair in just 30 minutes.

Where to buy CASCO in Moscow

Calculate the cost and buy a CASCO policy in Moscow online in a few minutes at Liberty Insurance. You can also always contact our Contact Center: 8 800 100-2-100. Our specialists will help you calculate and arrange CASCO insurance for your car, offer optimal coverage and payment options, and answer all questions related to insurance.

CASCO is a type of insurance that allows you to protect your car from various types of damage. Without a doubt, the benefits of such a policy are enormous. But there is one thing that scares car owners: such insurance is very expensive.

The price of a CASCO insurance policy is determined primarily by the cost of the car. Typically, insurance companies set the rate at about 10% of the price of the car. This is why many people believe that saving on CASCO insurance is not realistic. But that's not true. Knowing some of the features of insurance and skillfully applying them, you can significantly reduce the price of the policy.

4 ways to make CASCO cheaper

There are several ways to reduce the price of a CASCO insurance policy. Naturally, each insurance company offers different ways to get a discount. Let's look at the most common options for getting cheap CASCO insurance.

Application of a franchise

The deductible is the amount of damage for which the insurance company is not liable. In other words, the insurer will not have to pay for minor damage.

For a car owner, a franchise is convenient not only because it allows you to obtain CASCO insurance at a lower price. Its use allows, in case of minor, inexpensive damage, not to waste time waiting for traffic police officers to arrive to register the damage.

The client can choose one of two types of franchise - expressed as a percentage or as a fixed amount.

CASCO policy 50/50

If the car owner is experienced enough and is confident that he will not get into an accident, he can insure the car under CASCO at a profit, using the preferential policy program - 50/50. In this case, only half of the insurance price is paid at first. The second part is paid by the car owner only if an insured event occurs. Most insurers offer such a program only to those drivers who have reached a certain age and have a specified driving record.

Ensuring the safety of the car

It is also possible to get CASCO insurance cheaper if you can prove to the insurer that the car is carefully protected against theft. This can be confirmed by the following facts:

• availability of high-quality reliable alarm systems;
• An anti-theft system is installed on the car;
• possibility to store the car in the garage;
• availability of a parking agreement.

The insurer has the right to request documents that confirm the presence of these factors.

Selection of insurance cases

Most often, a CASCO policy provides for payment of compensation when the following situations occur:

• hijacking;
• fire;
• natural disasters;
• illegal actions of a third party.

The insurance company may provide waivers for certain cases. In this case, the price of the policy may be reduced.

TOP 5 insurance companies with cheap CASCO in 2019

In addition to various options that reduce the cost of a policy, its price can vary significantly from one provider to another. Therefore, it is important to choose an insurance company that will combine low rates with a high degree of reliability. To make it easier for you to decide, we have compiled the TOP 5 best insurers, where CASCO is cheaper than other companies in 2019.

Tinkoff Insurance - CASCO with monthly payment from 2000 rubles

The advantage of Tinkoff is that here you can buy a CASCO policy online, completely remotely. The client does not need to go to the office or sit in queues. The policy will be delivered to him by agreement at any place at a convenient time. In addition, remote organization of activities allows Tinkoff to significantly reduce tariffs. You can also reduce the cost of insurance if you take out CASCO and MTPL at the same time. The discount will be 5%.

You can calculate the cost of insurance using the CASCO calculator on the website. It is not necessary to make the entire payment at once; you can do it in installments - every month. If an insured event occurs, you will be able to receive compensation within a short period of three days.

Now the Tinkoff company is running the “20% Cashback for CASCO Policy” promotion, which implies receiving a refund of 20% of the cost of the CASCO policy on a Tinkoff card. If you don't have it yet debit or, then before applying for a policy, we recommend ordering a card. For example, with a CASCO cost of 50 thousand rubles, you can get 10 thousand rubles on your card! This will significantly reduce the cost of car insurance.

Calculate the cost of CASCO on the Tinkoff website and apply online for the promotion

Cheap CASCO insurance from Rosgosstrakh

Rosgosstrakh offers to buy CASCO insurance in one of the following ways:

• online on the Rosgosstrakh website;
• by calling the short number 0530 from a mobile phone (available for MTS, Tele2, Megafon, Beeline subscribers);
• at the nearest office.

At the same time, right on the company’s website there are tips on how to choose a profitable CASCO insurance depending on the needs of each car owner. In addition, for the convenience of clients, it is proposed to issue a policy in installments and use a deductible. Also, for those who can boast of accident-free driving, Rosgosstrakh provides a discount when concluding an insurance contract.

InTouch - profitable CASCO policy in installments for 12 months

The insurance company InTouch is one of the most technologically advanced and reliable companies in the insurance market today. She, like Tinkoff, focuses on saving clients’ time, minimum bureaucracy and maximum customer focus. Due to the fact that the company sells most of its CASCO, OSAGO and other types of insurance policies through the Internet site, this allows it to save significant money on agents and managers, which in turn affects very favorable rates for clients. The company has cheap insurance rates for cars with mileage up to 12 thousand, as well as smart insurance, where you can save on unnecessary options.

The InTouch company belongs to the Blagosostoyanie insurance group, which is one of the stable and reliable companies in Russia.

Life hack: how to buy an InTouch policy in installments for 12 months

Insurance company InTouch is a partner credit card for installments "Conscience". This means that by paying for any InTouch policy (whether CASCO or OSAGO) with the “Conscience” card, you receive installments on the card for your purchase for a whole 12 months.

For those who don't know, an installment card is a free card for purchases in installments from the card's partners. For example: You paid for CASCO worth 50 thousand using an installment card. Every month you need to deposit 4166 rubles onto the card. And all this without interest or overpayment.

Renaissance Insurance is a popular insurance among car enthusiasts

Renaissance is a high-tech company. A program has been developed here - CASCO policy with telematics. It allows young people under 29 to save up to half the cost of the policy. The essence of the program is to install a special device on the car that communicates with an application on a smartphone. The young driver monitors his driving style and corrects it. If in 3 months he learns to drive more carefully and receives the required number of points, the deductible under the CASCO agreement will be significantly reduced.

In addition, the Renaissance company has favorable CASCO rates when taking out a policy for SUVs, as well as used cars.

Cheap CASCO policy from Alfa Insurance

This company offers several profitable programs for obtaining a CASCO policy. The advantages of Alpha Insurance are:

• You can take out a policy without leaving your home;
• CASCO calculation is carried out directly on the website, the result can be saved and also sent to a friend.

The Smart CASCO program for careful drivers allows you to save up to 55%. In this case, a telematics device is installed on the car. Any foreign-made car whose mileage does not exceed seven years can participate in the program.

For adults, experienced people and families, CASCO is cheaper at Ingosstrakh

Ingosstrakh provides low CASCO costs primarily for three categories of drivers:

• Adults;
• with extensive driving experience;
• family citizens with children.

In addition, all drivers can receive a discount in several cases:

1. if a tracking system is installed;
2. when switching from another insurance and having an accident-free driving record;
3. when renewing the policy;
4. when registering a franchise.

The biggest discount can be obtained if the vehicle is equipped with a high-quality anti-theft system.

Thus, it is quite possible to get a cheap CASCO policy. To do this, just study the programs and discounts offered by various insurers. You can do it easier - use the proposed list of the best companies.