Where is it more profitable to insure a car under OSAGO?

Where is it better to insure under compulsory motor liability insurance in 2019 - which insurance company is better and cheaper to take out compulsory motor liability insurance for a car

Currently, the question of where is the best place to insure a car under compulsory motor liability insurance is almost a leading one, since all motorists want reliability from their insurer, transparency of conditions and simplicity in completing all documents.

Today we will try to provide you with information that will help you decide on the choice of an insurance company.

Where is the best place to insure under MTPL in 2019?

As we all know, car insurance in Russia is a mandatory item for drivers, but many have already heard that some companies do not make payments on time or do not issue a policy due to the lack of forms.

The online compulsory motor liability insurance calculator from the Moscow insurance company in 2019 will help you calculate the cost and compare prices of compulsory motor liability insurance policies from different insurers in Moscow.

Now we will look at the most profitable insurance companies licensed for compulsory motor liability insurance.

The Central Bank of the Russian Federation has established a tariff corridor in which the starting price of the policy can vary from 3,432 rubles to 4,118 rubles. We wrote about how to get an MTPL insurance policy cheaper in the article “How to save on MTPL.”

Which insurance company is better and cheaper to apply for compulsory motor liability insurance in 2019?

In order to choose the most profitable insurance policy, you can calculate compulsory motor liability insurance for all insurance companies using an online calculator, or read reviews where it is cheaper and more profitable to insure a car under compulsory motor liability insurance. However, it is worth knowing that for some one thing will be good, but for another it may not be suitable at all. Also, you should not trust various polls, since the rating in them will often be inflated.

According to reliability rating statistics, we present you a list of the most reliable insurance companies in descending order:

These 15 companies are the most reliable insurers, but it is up to you to decide which insurance company to choose for compulsory motor liability insurance.

Where is the best place to apply for and buy an MTPL policy in 2019?

Everything is clear with the ratings, but we still haven’t learned how best to get a cheap MTPL insurance policy for a car. Currently, our main assistant is the Internet, thanks to which we can find out any information that interests us.

To decide on the design, you should first ask your friends where they took out the policy and how much they like this or that company. Next, having identified several companies, we search for them on the Internet and read all the information regarding insurance companies.

Perhaps the reviews will not be entirely good, as a result of which they may cause you doubts. Then call the hotline or directly to the office in your region and ask all your questions.

Forums can also come to your aid, where you can inquire about the quality of work of a particular insurer.

Some insurance companies illegally change the rules - there are no forms, a queue for several days, they insure only new or powerful cars, they offer “left” maintenance. In this case, you need to think, do you need it?

A very cheap MTPL insurance company should also arouse your suspicions, since most likely they will either sell you additional services, or the forms have been declared lost and they sell them to you, passing them off as real.

Which insurance companies issue electronic MTPL policies?

According to clause 7.2 of Art. 15 of Federal Law No. 40-FZ of April 25, 2002, an insurance policy can be purchased via the Internet. An electronic MTPL policy gives you the same rights as a regular one, and does not differ in price (in fact, it also differs in how, it costs several times less).

Below you will find a list of which companies sell MTPL via the Internet:

Insurance company HAYDE

Insurance Joint Stock Company VSK;

Insurance group "HOSKA" and others.

You can purchase an electronic MTPL policy on the official website of one of these companies or using our MTPL calculator.

Do not use the services of unverified insurers, especially if they have the cheapest compulsory motor liability insurance for a car. To avoid falling into the hands of scammers, before paying for the policy, check the license of the insurance company on the website of the Bank of Russia or RSA.

Who can insure a car under OSAGO

Before purchasing a policy, you should know that their sale is carried out not only by the official offices of insurance companies, but also by brokers and scammers. The last two have both positive and negative sides.

Brokers give you the opportunity to choose which company you would like to buy MTPL from, however, in this case, brokers are intermediaries, which means that you will have to pay a little more money to purchase insurance.

We cannot answer the question about where it is cheaper to buy MTPL insurance for a car with delivery around the clock, since there are a lot of companies, and they replace themselves every day, allowing new companies to take their place. In any case, it will cost you more than buying car insurance in the UK.

Now about the scammers. They also have a place among brokers, which means that you can get to them without much difficulty. They offer to buy insurance with a ready-made seal, wholesale or retail. And everything would be fine, but these forms can be either fake or real, however, after the conclusion of the contract, the information will not be transferred to the unified RSA database, therefore, in the event of an accident, no payments will be made to you.

As a result, I would like to say that before you run headlong to the first office you come across to buy compulsory motor insurance, read, analyze and draw conclusions. You can also buy an electronic policy, which will help you save much more time and money, but this should be done exclusively in your personal account on the official website of the insurer.

Which insurance company is cheaper to apply for compulsory motor liability insurance?

Car insurance in Russia is mandatory for drivers. There are many insurance companies that offer their services to everyone. But the conditions in each of them may differ markedly.

It is not surprising that car enthusiasts are interested in where it is cheaper to insure a car under OSAGO . Before making a choice, you should carefully study all the offers on the market and find out whether there is an opportunity to reduce the cost of insurance.

Since the beginning of 2017, there have been some changes in the work of insurance companies. Now they should provide the driver with the opportunity to obtain an electronic MTPL policy.

But all motorists want reliability from their insurer, transparency of conditions, and ease of completing the necessary documents. Therefore, you need to be responsible when choosing an insurance company.

Indicators that form the cost of the policy

To calculate the exact cost of car insurance, you need to take into account several factors that shape it. The following parameters play a decisive role:

• geography of car use;
• age and length of service of the driver;
• driver's participation in an accident;
• motor power level;
• insurance statistics;
• insurance period.

OSAGO is calculated by multiplying the adjustment factors by the base rate. This procedure makes it possible to find out the exact cost of insurance.

In accordance with the law, once a year the insurer has the right to change the basic rates. But at the same time, their value must be within a certain range.

The value of the coefficients is unchanged for all insurance companies . The type of vehicle and its purpose also affect the cost of the policy.

Basic MTPL tariffs in 2019

Tariffs for 2019 are within a certain range. Therefore, a very pressing question for drivers is which insurance company is cheaper to apply for compulsory motor liability insurance in 2019.

When choosing an insurer, you need to consider not only where it is cheaper, but also where there is a greater likelihood of timely payments. The insurance company must have a strong position in the market, this guarantees its reliability.

The most profitable insurance companies that have a license for compulsory motor liability insurance:

1. Rosgosstrakh - the base rate in rubles is 4118.
2. VSK - base rate 4118 rub.
3. SOGAZ - base rate 4118 rubles.
4. Renaissance - the base rate is RUB 4,118.
5. RESO - base rate 3604 rub.
6. Alpha Insurance - base rate RUB 3,432.
7. MAX - base rate RUB 3,432.
8. Ingosstrakh - 3432 rubles.

The Central Bank of the Russian Federation has established a tariff corridor in which the price range varies from 3,432 rubles. up to 4118 rub . Most insurance companies stick to the highest possible rates. Based on the data provided above, we can conclude who has cheaper MTPL.

The lowest rates were set by such companies as Alfa Insurance, MAX and Ingosstrakh.

The responsibilities of such organizations include posting documents on the Internet with the specified information about the base rate in specific regions of the Russian Federation. And also, the insurer is obliged to transfer this data to the Central Bank.

The basic tariff may differ markedly in different regions of the Russian Federation . In some cities, it is not possible to purchase affordable insurance. But in Moscow itself it is quite possible to buy MTPL cheaper.

Many insurers are interested in having a place on the Moscow market. The presence of inexpensive car insurance in the capital is also explained by the fact that quite often drivers purchase a CASCO policy along with compulsory motor liability insurance. This is very beneficial for insurance companies.

Ways to reduce your insurance policy

For anyone who is interested in where the cheapest compulsory motor liability insurance is, it is important to know the methods of reducing the price of car insurance. To solve this problem you can do the following:

1. Choose the insurance company with the lowest base rate.
2. Reduce the insurance period. This only makes sense if you need a short-term policy; if the car is used constantly, then the maximum policy period will become more convenient.
3. Application of the CBN discount for the absence of accidents on the roads. If the driver has not been involved in an accident during the year, the discount for accident-free driving is 5%.
4. Shares upon concluding two or more insurance contracts. Many insurers provide them to attract clients. Thus, the most profitable insurance company for compulsory motor liability insurance will be the one that provides a good discount to clients for concluding a CASCO agreement, life insurance, property insurance and other programs.
5. Add yourself to the driver's policy with more than 3 years of experience and over 22 years of age. This method will give you the opportunity to increase your driver's class without having your own car.
6. Register your car in the region where the territorial coefficient is lowest. You can use this method if it is possible to register a car in the name of a relative who lives in an area where the CT is much lower.

Where is the best place to get insurance?

Where the cheapest MTPL insurance is can be determined by knowing the base rate of the insurance company. In addition, it is easy to find any information you need about the insurer on the Internet.

Reviews from friends about the organizations where they purchased the MTPL policy will help you decide on the design . You can also call the hotline or directly to the office in your region, they will answer all your questions.

You should not use the services of little-known and dubious insurance companies. Some of them may illegally change the rules. They do not provide forms and only insure new or powerful vehicles.

An insurance company that provides its services very cheaply should also raise doubts. They can simultaneously impose additional services or sell forms that were previously lost.

Insurance companies that issue electronic MTPL policies

In accordance with the law, in 2019 an insurance policy can be purchased via the Internet.

Such a policy is no different from a regular one; it gives the driver the same rights. In terms of cost, it can be even cheaper.

If a driver is going to purchase insurance via the Internet, then he should know that, according to the law, compulsory motor liability insurance can only be sold on the official websites of insurance companies.

In this case, all the necessary information is first entered and checked, the cost is calculated, and only then payment is required.

Not all companies sell MTPL electronically. This service is provided by the following most popular insurance organizations:

Residents of any region can apply for such a policy. But in practice, most companies only insure residents of those regions in which they have a branch.

Before applying for an MTPL policy, it is important to read information about insurance companies, analyze all the nuances and draw conclusions. The right choice will be the organization that not only provides the cheapest compulsory motor liability insurance, but is also reliable.

Its position in the market must be stable. This will ensure that as a result of an accident, insurance payments will be provided in a timely manner.

The ability to purchase an electronic policy will save time and money, but this should only be done on the official website of the insurer.

Who has the cheapest MTPL?

Thanks to the change in the methodology for calculating the cost of compulsory motor liability insurance, for the first time since the existence of the motor vehicle insurance policy, the possibility of market competition between insurers has emerged. According to the idea of ​​the Central Bank specialists, the introduction of a tariff corridor was supposed to motivate insurance companies to fight for clients.

More than six months have passed since the change in the procedure for determining the price of an auto insurance policy, which means that auto insurers have had enough time to put the new opportunity into practice. Therefore, the base rates used by a particular company are unlikely to change in the near future.

It is worth noting that at the moment, auto insurers have the opportunity to set an individual base rate in individual localities or regions, which they actively use. As a rule, information about the base rate for compulsory motor liability insurance in a particular city is posted on the insurance company’s website. This information can be used to conduct a small comparative analysis of the offers of leading players in the insurance market. So, which insurer is ready to sell compulsory car insurance at the lowest price?

OSAGO calculator calculation and online purchase for 50 companies.

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The price of a “motor citizen” in large cities

It is necessary to immediately make a reservation that when compiling the table, only companies included in the top ten market leaders in terms of the volume of collected insurance premiums were taken into account. Leading insurers, with an extensive network of branches and offices, better see the full picture of what is happening. Consequently, it can be assumed that it is their tariff policy that more accurately reflects the realities of the domestic compulsory auto insurance market. Unfortunately, it was not possible to obtain information regarding the size of the base rates used by the UralSib and Soglasie companies, so these organizations were not included in the table.

Table 1. Basic rates in major Russian cities*.

* – for passenger vehicles of private individuals.

As follows from Table 1, three large auto insurers immediately set the maximum value of the base rate. Probably, such a tariff policy is dictated by the negative statistics on the unprofitability of these companies under MTPL agreements. Although in the case of the SOGAZ company, the high tariff is most likely explained by the desire of the insurer with a significant portfolio of corporate clients to reduce the number of private clients.

Capital prices

Three leading companies in the insurance market have set the minimum acceptable cost of compulsory motor insurance for Moscow motorists. It is quite possible that in this case it is not a matter of loss statistics at all. Both Ingosstrakh, MAX, and AlfaStrakhovanie are actively working in the capital’s voluntary transport insurance market, so low prices for “motor insurance” may be part of a strategy to increase sales of CASCO policies. In addition to the mentioned auto insurers, only one company is ready to issue an MTPL contract for an amount lower than the maximum possible. But the underwriters of RESO-Garantiya did not lower the bar to the minimum level. The insurer has set a tariff of 3,604 rubles for capital motorists.

Prices in the Northern capital

Almost the largest players in the insurance market have set the highest base rate for St. Petersburg motorists. Only the companies "MAX" and "RESO-Garantiya" offer compulsory car insurance cheaper than other large organizations. The first company uses the minimum rate of the basic tariff when calculating compulsory motor liability insurance. The underwriters of the second company set the same prices for residents of the Northern capital as for motorists registered in Moscow (3,604 rubles).

Cost of the policy in the regions

In the overwhelming majority of cases, leading insurers are not ready to offer residents of large regional centers cheap auto insurance policies. Thus, in Rostov-on-Don you can purchase a compulsory motor liability insurance policy for a minimum amount only at RGS. But residents of Samara have the opportunity to draw up a compulsory car insurance contract at a favorable price either in the same Rosgosstrakh or in AlfaStrakhovanie.

It is noteworthy that none of the leaders in the MTPL market have reduced the tariff for motorists from Chelyabinsk to the minimum level. In general, this is natural, because one of the largest industrial centers of the Urals is famous for its high accident rate. It is not without reason that during the last adjustment of the calculation methodology, Central Bank specialists established the highest territorial coefficient for this city.

The most interesting situation has developed in the Far East. Four insurers set the maximum base rate for residents of Vladivostok, but the remaining four companies decided to sell policies at a more competitive price. The lowest basic tariff is offered by AlfaStrakhovanie and MAX. Next comes Rosgosstrakh, and the last company in the quartet is RESO-Garantiya. Most likely, the pricing policy of these insurance companies is based on payment statistics. However, it is possible that insurers have set low base rates in order to increase the flow of clients.

Other cities

Unfortunately, given the number of settlements included in the tariff guide for “motor citizenship”, it is not possible to provide data for each city. However, policyholders can always carry out independent work to analyze the proposals of insurers in their region. In this case, you should adhere to the following sequence of actions:

1. Calculate the maximum and minimum price of the policy in the OSAGO calculator. Negligent insurers may offer the policyholder to purchase compulsory car insurance at a price lower than the lower price threshold or more expensive than the upper price limit. The car owner should not agree to such an offer, as there is a risk of purchasing a fake or invalid policy.
2. Make a list of auto insurers that motorists trust. To do this, you can study reviews of insurance organizations, and it is also useful to ask for advice from familiar car owners.
3. Visit the website of each company included in your individual list from Point 2 . Typically, insurers post information about basic rates in the “MTPL” section.

Calculate where OSAGO is cheaper

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Where is it cheaper to buy OSAGO online?

You can apply for an MTPL policy directly on this page. To do this, just enter all the required data and select the appropriate MTPL option for your car among the most popular and reliable insurance companies. By applying for compulsory motor liability insurance for a car, you receive only the best offers and can save by submitting an application online, as well as preliminary consideration.

Here you can obtain a document for any type of vehicle, even without a license. The cost of the policy directly depends on the base rate; here is a list of different insurance companies in Moscow:

• SK Renaissance: 3604.00 rubles.
• Rosgosstrakh: 3375.00 rubles.
• MAX: 3432.00 rubles.
• RESO-Garantiya: 3775.00 rubles.
• VTB Insurance: 3432.00 rubles.
• VSK: 3775.00 rubles.
• Alpha Insurance: 3700.00 rubles.
• Insurance company Soglasie: 3435.00 rubles.
• Ingosstrakh: 3432.00 rubles.

The cheapest MTPL insurance

You can obtain compulsory motor liability insurance inexpensively from those insurance companies that offer the lowest base rates. They become the basis of the calculation and are taken into account when specifying the specific cost of insurance. Thanks to online calculation, any vehicle owner can receive an advance estimate of the price of an insurance contract from different companies. This will allow you to choose exactly the one that is most suitable for all the parameters. It should be borne in mind that the cost largely depends on driving experience, accident rates and the car itself (its power, age and brand).

Buy OSAGO cheap

A convenient calculator that will allow you to buy an MTPL policy online

Where is it cheaper to insure a car under OSAGO?

Tariffs for the purchase of compulsory motor liability insurance today differ in all insurance companies. The cost of the policy is established by the legislation of the Russian Federation, but the insurer sets the base tariff at its discretion.

Therefore, motorists who want to apply for compulsory motor third party liability insurance cheaply should remember that they can only get a discount on compulsory motor liability insurance if the driver has an accident-free driving record. Moreover, if you plan to purchase an MTPL policy without restrictions, then the discount is taken into account according to the insurance history of the vehicle itself. The cost of an open policy is calculated for a driver who has no experience and is under 22 years of age.

If you are offered a cheap policy, but you do not have an accident-free driving record, this is a reason to think about the authenticity of compulsory motor liability insurance. Today, fake MTPL policies are widely used, offered inexpensively by scammers - with a discount of up to 50%. Insuring a car with such a discount is a big risk, and the car owner’s savings in this case can lead to serious financial losses. After all, if the insurance turns out to be invalid, then in the event of a traffic accident, financial responsibility for damage from the accident will fall only on your shoulders.

You can buy an MTPL policy online both in Moscow and in many other cities of Russia through our portal. You can apply for compulsory motor liability insurance with delivery of the policy by courier using a convenient service. To purchase insurance remotely, you first need to calculate the price of compulsory motor liability insurance. In the calculator you need to select the make of the car, indicate its year of manufacture, model, modification, engine power, then answer the questions asked by the program and click the “Calculate” button. You can find out the results of the calculator by entering the code sent to your mobile phone number. You can also get advice from an independent expert by phone if necessary.

After choosing a suitable insurer, you should click the “Order a policy” button and fill out the form provided, then a specialist from the insurance company will contact you.

Our free service will allow you to find out and compare the cost of services on the market, and get insurance quickly and cheaply. With us, car insurance will no longer be something complicated and incomprehensible; you just need to provide information, and the system itself will select a suitable insurance company.