How much does car insurance cost? We check the insurance prices

Picture: Illustration how much does car insurance cost

How much does car insurance cost? We check the insurance prices. In recent years, drivers have felt the increase in the cost of car insurance. The increase in prices is one of the reasons why we are looking for the most attractive offers for the sale of policies.

Therefore, below we suggest you how much car insurance costs. We will check the insurance rates of several popular insurers and also suggest what the car insurance rate depends on.

Read Also: Changes In Circumstance Affect Car Insurance Rates Pretty Closely

Civil liability insurance - some useful information
What determines the price of car insurance?

The cost of car insurance will depend on many factors. One of them is the age of the driver. The young driver who has registered his first vehicle usually does not benefit from any discount. The cost of car insurance without discounts turns out to be the highest.

Insurance rates for a passenger car, a delivery van or a truck will also be affected by the driving time without a claim. If the owner of the vehicle was the perpetrator of the traffic accident, the insurer will withdraw the discounts that have been accumulated for him.

In this case, it is again a question of taking out insurance without a discount, despite the driver's experience.

The price of car insurance will certainly depend on the specificity of the vehicle, in particular the engine displacement. The rate of a small passenger car insurance usually turns out to be much more attractive than the average cost of an SUV car insurance.

Gasoline car insurance is also associated with slightly higher fees. In addition, the insurer takes into account the age of the vehicle and its mileage. Statistically, BMW and Audi vehicle owners pay the most for third-party liability insurance.

People who want to determine the amount of car insurance costs should also identify their own needs. The basis is the civil liability insurance required by law. However, it is worth remembering that it does not offer complete protection in the event of an accident.

Therefore, public liability insurance is often combined with car damage insurance, which significantly increases the scope of coverage. The AC insurance itself is adapted to individual expectations, which is why its price varies considerably.

Insurance online or with a local agent?

In the past, the only option for car insurance was to use the services of a local insurance agent. It is a specialist who will inform us about the price of car insurance and help us choose an attractive offer.

We can take out OC, AC and NNW insurance. Getting your policy from a local agent is quite convenient and still has a lot of supporters. Opponents point out that the cost of car insurance at a fixed point is often quite high.

A group of young drivers is increasingly deciding to insure their car online. We have been witnessing this trend for 10 years with the arrival of the first insurance services. Adherents of this solution emphasize that they can quickly check how much car insurance costs.

In addition, they have easy access to a complete comparison of the policy offers of the various insurers. In most cases, the cost of car insurance on the Internet is actually slightly lower. The whole procedure does not require leaving the house and is very user-friendly.

In case of problems, you can contact an advisor online or by mobile phone. Thanks to this, third-party liability insurance via the Internet attracts many vehicle owners.

How much does car insurance cost? We check the offers of several insurers
Where to compare car insurance prices?

As we already know, public liability and property and casualty insurance policies can generate very different expenses. There are many individual factors that affect the final rate of car, scooter and truck insurance.

We know that people without a discount will pay the most, but even in their case, it is not possible to clearly define the expenses for civil liability or car insurance.

Due to the many differences that determine the insurance costs, it is worth comparing the prices of the policies on an individual basis. Internet services will be used for this.

The so-called insurance comparison sites are already very numerous and cover the offers of all insurers. Thanks to this, we can easily compare the cost of insurance for our car and select the scope of a possible AC and NNW policy.

Among the well-known car insurance comparison sites, Rankomat, MTU, Mubi and Porowneo can be distinguished. These are very popular and highly visited insurance websites. Their peculiarity is the ease of use of the comparison engine and the accuracy of the search.

Tourist car insurance rate

It is true that we cannot clearly determine the insurance price for a given particular car, but we can roughly compare the offers of several well-known insurers. Below we present indicative prices in several selected variants.

The highest car insurance costs will be borne by drivers without a discount. Insurers recognize that a person without driving experience is more likely to cause a traffic accident.

Therefore, the price of insurance can be much higher compared to OC and AC tariffs for an experienced driver with maximum discounts. Statistically, single drivers under the age of 25 will pay the most for car insurance.

In their case, the purchase of a third-party liability insurance policy for a passenger car may exceed PLN 1,800. Experienced drivers who have not caused any collisions in recent years can count on the cost of car insurance not exceeding PLN 900.

For example, we will calculate the average cost of Skoda Fabia passenger car insurance. Suppose the car was registered in 2014 and the owner is a married man aged about 50 who has not caused any accidents in recent years.

In this situation, OC + ASS car insurance in Link 4 can cost less than 640. In turn, the accident insurance policy for the said car will amount to about PLN 700. The average cost of accident, civil liability and SSA insurance with AVIVA will be more than PLN 820.

Even higher fees should be expected in MTU 24. A 50-year-old man will pay around PLN 880 for a civil liability and accident insurance policy.

The purchase of an additional ASS policy will reduce its budget by an additional PLN 50. If a man decides to take out additional civil liability insurance, the price of car insurance will be even higher. (*)