Which insurance companies are more profitable than 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.

Rating of the best insurance companies for compulsory motor liability insurance in 2019

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Registration of compulsory motor insurance is mandatory for motorists - the absence of a policy will be detected at the first inspection and will entail a fine. The following is a rating of MTPL insurance companies by reliability , which will help you make the right choice. The review also provides general recommendations for the selection of insurance companies.

Which insurance company should I choose for compulsory motor liability insurance?

Having a compulsory insurance policy is a mandatory legal requirement and a guarantee of protection against significant expenses in the event of an accident. Under compulsory motor liability insurance, compensation is paid to the injured party in an accident by the insurance company, and not by the person at fault for the accident. The question is which insurance company to choose in order to purchase a policy on favorable terms and be guaranteed to receive payment in the future.

The insurance market in Russia is still unstable - therefore, before purchasing insurance, you need to study the list of MTPL insurance companies that have a license, black lists, reviews and ratings. The rating of the best auto insurers in terms of payments shows which companies you can trust - they service your obligations in full.

SC reliability criteria:

class occupied in the rating of the Central Bank of the Russian Federation, an international agency;
volume of local market share;
number of signed contracts;
refusals to pay (in percentage).

Almost all large companies are reliable MTPL insurers - they have been operating in the market for a long time, have a good reputation and access to foreign financial resources. These factors allow organizations to replenish working capital with minimal interest rates, staying afloat even in difficult economic conditions. Regional companies with a small number of branches sell policies at reduced prices, but are inferior in reliability to large insurance companies.

Top 10 insurance companies for compulsory motor liability insurance in 2019

Calculate your insurance with our free calculator and get quotes from the most trusted insurers.

The official rating of the best insurance companies for compulsory motor liability insurance is compiled by RA experts. Analysts constantly monitor the performance of companies and evaluate the data received. In addition to the Central Bank of the Russian Federation, NRA - independent rating agencies - take part in the assessment. They audit companies on a number of parameters, after which they assign reliability criteria. Some media outlets working with finance also do market analysis. Often their estimates are the same as those of the NRA, but there may be differences.

Based on the results of an expert analysis, the insurance company is assigned a reliability class - it consists of letters and signs “+”, “-”:

A++, AAA+ - the highest indicators, they are received by the largest market players;
A, A+ - indicates a positive financial balance, absence of serious debt obligations, claims from the regulator;
B—satisfactory level;
C - this category includes companies whose license will soon be revoked;
D—technical default;
E - SK at the stage of liquidation.

The reliability rating must be taken into account when looking for an answer to the question of where it is better to insure a car. The leading positions belong to large market players; small and medium-sized regional firms with a small network of branches are also included in the rating.

List of the best insurance companies for compulsory motor liability insurance:

"RESO-Garantiya";
Ingosstrakh;
"Helios";
"VSK";
Renaissance Insurance Group;
"Agreement";
"AlfaStrakhovanie";
"Rosgosstrakh";
"SOGAZ";
"MAX";
"Intouch Insurance";
"Inter";
"Energogarant";
Liberty Insurance;
Tinkoff Insurance;
"SK GAYDE";
"Bet";
"Ekaterinburg";
"ERGO";
"VTB Insurance".

This list shows not so much the reliability class as the number of signed contracts, and therefore the popularity of a particular organization.

People's rating of insurers

The public rating is based on consumer reviews - many car owners do not know where it is best to get a policy and look at the ratings of other drivers. This choice is subjective because it does not take into account financial indicators.

Here is the popular rating of the insurance company, where positive and negative reviews in % are indicated in brackets:

"VSK" (69/31)";
"RESO" (64/36)";
“Consent” (65/35)”;
"Alliance" (64/36)";
"Ingosstrakh" (61/39)";
"Rossgosstrakh" (60/40)
"Megaruss" (58/42)";
"Nasko" (60/40)";
"VTB" (56/44)";
"UralSib" (58/42)";
"Guta" (56/44)";
"Alpha Insurance" (53/47)";
"Renaissance" (50/50).

Where is it cheaper to buy OSAGO?

Cheap compulsory motor liability insurance - myth or reality? Reality, but you need to understand what you are paying for. The following factors influence the price of insurance:

length of service, age of the parent;
geography of movements;
participation in accidents;
motor power;
terms of policy issuance;
insurance statistics.

The cheapest car insurance will be profitable only if there is a guarantee of payment. For this reason, you need to take out a policy in trusted insurance companies. You can buy an MTPL policy cheaply online from the following companies (the base rate in rubles is indicated in brackets):

Rosgosstrakh (RUB 4,118);
"SOGAZ" (4118 rub.);
"RESO" (3604 rub.);
"Alpha" (RUR 3,432);
"MAX" (RUR 3,432);
"Ingosstrakh" (RUR 3,432).

The tariff corridor is set by the Central Bank, and many insurance companies set maximum rates. The basic tariff may be different for different regions; it will be cheaper to insure a car with an insurance company in the capital, since highly competitive working conditions encourage organizations to look for the most favorable terms of cooperation.

To reduce the cost of the policy:

choose a company with a minimum base tariff;
use CBN for accident-free driving;
get a discount by signing two or more contracts;
register the car in the region where the territorial coefficient is minimal.

Which insurance companies issue OSAGO policies online?

Online auto insurance is increasingly in demand because it saves time . You can apply for E-OSAGO at any large company. Ordering an MTPL policy online with delivery is offered on standard terms; companies can set different rates, provide remote registration only to old or both old and new clients.

List of insurance companies issuing electronic MTPL policies:

"Alfastrakhovanie" - registration of e-OSAGO is available only to current clients of the company;
"Renaissance" - online insurance for Moscow, Moscow Region, Yekaterinburg, St. Petersburg, Leningrad, Sverdlovsk regions;
“VSK” - nominally e-OSAGO is available for all regions of the Russian Federation;
"Zetta Insurance" - there are geographical restrictions;
"INTACH Insurance" exclusively offers extension of the current insurance policy;
"Liberty" - works with clients from Moscow, Leningrad Region, St. Petersburg, Krasnoyarsk, Irkutsk, Novosibirsk, Nizhny Novgorod, Oryol regions, Perm Territory;
"Reso Guarantee" - services are available in all regions of the country;
“ENERGOGARANT” - you can only extend the contract online;
"HOSKA" - restrictions by region;
“Moskovia” - services are not available in all regions of the Russian Federation;
“Parity SK” - renewal is done online;
Tinkoff Insurance issues electronic policies throughout Russia.

Blacklist of insurance companies for compulsory motor liability insurance

The black list includes those insurance companies that do not fulfill their obligations in good faith, or have certain problems with reporting and payment of funds. It includes:

"Aibolit";
"ASTO-Garantiya";
"Arbat";
"West Acras";
"Garmed";
"General SK";
"ASOL";
"Avest";
"ASOPO";
"BORK";
"General Insurance";
"Gorstakh";
"Confidence";
"Euro-Asian IC";
"ZHASO-M";
"Granite";
"GENERAL RESERVE";
"West Siberian Transport SK";
"Innogranate";
"CONDA";
"Continental"
"Crown";
"Zenith";
"EMPIRE insurance";
"Investstrakh-Agro";
"Leader";
"Metropolis";
"Our Hope";
"National quality";
"Nika Plus";
"Pyramid";
"Support-Guarantor";
"Nature";
"LK-City";
"Interregional Insurance Agreement";
"Industrial-Insurance Alliance";
"Rosmedstrakh";
"Rostrakh";
"PCT";
"TPSO";
"UNICUM";
"Ural AIL";
"Uralkoop-Polis";
"Rukso";
"Russian SK";
"Russian World";
"RussoBalt";
"RASO";
"Recon";
"Sever Polis";
"SK KG";
"SCM";
"SOLO RT";
"Rosinvest";
"REDD";
"North-Western SK";
"Sports Insurance";
"Insurance Company of the CIS";
"Transgarant";
"URALROS";
Fidelity Reserve;
"Finist-MK";
"Queen";
"ESCO".

Problematic organizations may have a license or operate without one, but policyholders have problems with them many times more often than with others.

Reviews about insurance companies

Customer reviews about car insurance are always subjective, but they can and should be taken into account when choosing an organization. Pay attention to data on the cost of policies, reliability, compliance with payment obligations, quality of service, reasons for refusals.

Calculate where OSAGO is cheaper

Enter the car number for the service to fill in modification data

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).

Rating of the most profitable MTPL insurance offers: how to choose the best option

According to statistics, 80% of car owners try to get the cheapest MTPL insurance. However, this option is not always profitable. We analyzed proposals for compulsory motor liability insurance in Moscow, St. Petersburg and the regions and, based on the data obtained, made recommendations on choosing a company, and also found out what affects the cost of the policy and how to apply for insurance online.

Cost of MTPL policy in 2019

Since OSAGO is compulsory motor third party liability insurance, every car owner is required to have a policy. Insurance is a guarantee of compensation for damage in the event of an accident. But, as practice shows, not all drivers get into accidents, that is, not all insurance policies are ultimately used, whereas they need to be purchased in any case.

The cheapest MTPL insurance will be relevant for careful drivers, those who drive infrequently and in compliance with traffic rules. Or for those who simply cannot afford the full package of services after the tariff changes in 2019.

On January 1, 2019, new amendments to the current laws of the Russian Federation regarding compulsory motor liability insurance came into force. As before, the cost of motor vehicle liability varies for the capital and regions. The make of the car, the year of manufacture, and the length of service of the driver are still taken into account. Overall the cost has gone up. But in some cases, policies will be cheaper, it depends on the calculation of coefficients and the minimum and maximum base cost of the insurance policy.

It is more expensive and difficult for residents of the capital to obtain compulsory motor liability insurance. Here they can send you from the company’s office for technical inspection to a service station located at the other end of the city. In this case, the contract must be concluded no later than 24 hours after the maintenance, otherwise it will be considered invalid.

Another problem for metropolitan motorists concerns the fact that insurance companies often lack contract forms. In this case, many organizations offer to execute the agreement electronically, and this is not necessarily a scam. But you need to be extremely careful.

The cost of compulsory motor liability insurance in 2019 for residents of the capital differs among different companies. For example, at RESO-Garantiya it became higher: it was 3604 rubles, and now it is 3775 rubles. Rosgosstrakh reduced the cost from 4118 rubles. up to 3775 rub. Legal entities can insure a vehicle for RUB 2,375. But taxi drivers will have to fork out at least 5,138 rubles.

In St. Petersburg

For everyone who is registered in St. Petersburg, the MTPL policy will cost even more than for Muscovites. Current prices for 2019 are given below (at the end of the article) in the comparative table.

In the regions

Car insurance in the regions is the most inexpensive and profitable. Compared to the capital, the cost of insurance can be 15% lower. This is explained primarily by the fact that the need for additional services is much lower.

Which insurance company has the cheapest policy?

Cheap insurance with minimal premiums is offered, as before, by small and recently opened insurance companies. Large, reputable, well-advertised companies take advantage of their own status and set the maximum price for their services with a 20% premium. They can afford this because they know that they will find their clients and will still win.

Small companies, on the contrary, will set minimum premiums and lure away those clients for whom the low cost of compulsory motor liability insurance is important - up to fifty rubles. That is, in principle, nothing has changed: large companies will take quality, and small ones – quantity. To make the right choice, you need to consider 2 main points:

The budget that a car owner is willing to spend on an insurance policy.
Services that are of primary interest to the driver.

Worth knowing! Just a few years ago, the concept of “cheapest car insurance” did not exist. According to the laws of the Russian Federation, uniform tariffs applied to all companies. Today everything has changed. The insurance company, depending on its status and level, has the right to increase the cost of its services. But no more than 20% of the cost established by law as the base.

Is it cheaper to buy online

In the age of computerization, you can easily buy an insurance policy online. In fact, it is no different from the usual one and has the same legal force. It is obvious that it is more convenient, easier and faster to complete any purchases and procedures electronically.

Advantages of concluding an agreement online:

You don't need to go anywhere.
No need to waste time in line.
Filling out the form takes a few minutes.
You can immediately calculate the cost of services using a special calculator.

At the same time, the cost of an insurance policy is often lower when issued online. But the risk of falling for scammers is higher. Therefore, in order to avoid troubles and not pay money to a non-existent company, you need to choose only the official websites of large, reputable insurers. Working with intermediaries can be expensive. What may indicate that the company is deceiving or that they are scammers:

discount from the base price of 50% or more;
insurance on favorable terms for drivers with minimal experience or in the absence of accident-free driving;
An open policy is offered for cars with extensive experience or for drivers under 22 years of age.

If the price is too tempting, the company is little-known and all procedures are offered to be carried out online or on neutral territory, not in the office, there is every reason to think about it. What is also important: an agreement concluded online comes into force only after 3 days. Therefore, during this period it is better not to drive a car at all.

Where can I buy a policy online

What are the advantages of online insurance - you can always get it, even on weekends. Large companies try to maintain their reputation and offer a full range of services on their official websites. This is where you should register and enter into an agreement electronically.

How much does MTPL cost from the most reliable insurers?

Reliability doesn't come cheap. To get acquainted with the current rating and prices for Moscow, St. Petersburg and the regions, you can get all the necessary information on the official website of the Expert RT rating agency.

Rosgosstrakh

The largest insurance company in Russia. More than 3,000 branches throughout the country, more than 26 million customers. You won't be able to buy a cheap policy here. But service and compensation in the event of an accident are guaranteed to be fast.

Ingosstrakh

A relatively young insurance company was founded in 2004. But it is popular and trusted among domestic motorists. This is where you can find the best deals and inexpensive MTPL policies. Advantage: there is a mobile application, you can draw up an agreement from your gadget.

If you need to conclude an agreement with this company, you can contact any of the 600 branches across the country. Everyone is guaranteed to receive payments under the MTPL insurance policy within 5 working days after submitting the application.

Alfa Insurance

This is a Russian concern created through the merger of several companies. The list of popular services includes more than 100 items. There are branches in 270 settlements, which is important if a motorist travels a lot outside the capital. This company is one of the ten most reliable in Russia.

Reso-Garantiya

Engaged in insurance of any objects. But car insurance is a priority. It is in this context that the company is perceived by consumers. This company has more than 850 representative offices in regions and major cities; you can choose the most important of the 100 insurance services offered. The advantage of this insurer is the fast processing of documents and payments.

Why do all companies have different prices for compulsory motor insurance and is it worth saving?

A profitable compulsory motor liability insurance policy from different companies requires a roughly similar package of services. But prices can vary greatly. This is due to a number of factors, the main one being the status of the insurer. A priori, an advertised brand cannot be cheap. Well-known insurance companies will offer discounts, but will not increase the price significantly - they do not need it, it is not profitable and even dangerous due to the deterioration of their reputation.

Smaller and younger companies value every customer. And they will offer a lot of gifts, benefits and discounts just to attract and retain new customers. And now the most important thing: scammers will do the same. If an insurance policy is offered very cheaply, this should always be a concern. What else you need to know:

Fraudsters often offer to meet outside the company premises and sign an agreement in an informal setting.
Scammers often call on behalf of the insurance company and offer to renew the insurance policy. Usually these are former employees of insurance companies who still have contract forms in their hands.

And in conclusion, a comparative table of prices for compulsory motor liability insurance policies (in rubles) in different companies in Russia for different cities.

Where is OSAGO cheaper in 2019?

It is not difficult to understand the choice. We look at the new basic tariffs of insurance companies. We find where OSAGO is cheaper. By applying correction factors, we reduce the final cost. And online registration will save our time.

There are two components to calculating car insurance: adjustment factors and the base rate. The first takes into account the data of the car, owner and drivers. They are the same for insurance companies. And the base tariff is the basis for calculating the cost.

The Central Bank has set the initial tariff range from 3,432 to 4,118 rubles. for passenger transport of private individuals and individual entrepreneurs. Within these limits, insurers can change the value for localities. In 2019, insurance organizations changed their basic tariffs. Thus, for Moscow, RESO-Garantiya increased the value from 3604 to 3775 rubles, and Rosgosstrakh decreased it from 4118 to 3775 rubles.

For legal entities, the Central Bank tariff corridor is smaller - from 2573 to 3087 rubles, and most insurers use the minimum figure. A taxi will cost the most. Here the “fork” is 5138 - 6166 rubles, the upper value is more common. By comparing the data, you can understand where compulsory motor liability insurance is cheaper in terms of the main indicator.

Where is OSAGO cheaper in Moscow and Russian cities?

The base rate depends on the owner’s registration and differs among insurance companies. See where OSAGO is cheaper in your city.

In Moscow, we offer our clients Ingosstrakh and MAX-insurance, there are more favorable rates. The cheapest MTPL insurance in Novosibirsk is SOGAZ; for Yekaterinburg it is better to choose VTB. The reason is the difference in regional profitability among different insurers. See all changes in base rates on the official websites of insurance companies.

Calculate the cost of compulsory motor liability insurance with our insurance broker.
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How to buy OSAGO cheap in Moscow

A simple and reliable way is to choose OSAGO from the cheapest insurance company. This is optimal if they are registered in Moscow or the region.
In the absence of a permanent registration, insurers can issue a temporary one. But if there are both, you must indicate the one in the passport. There are difficulties with registering clients from other regions. The legislation here can be interpreted in two ways. Often everything is decided by personal relationships and interest in the client.
Sometimes a car is registered in the name of relatives with registration in another locality. The downside is that legally you are not the owner of the vehicle.

Reducing the price of OSAGO by correction factors

The coefficients are multiplied among themselves. The smaller they are, the cheaper the MTPL policy. But not all values are easy to change. The following indicators are highlighted:

Engine power.

Such actions automatically increase the cost in the next period by one and a half times.

Instructions for choosing cheap MTPL insurance

A profitable purchase of a “car citizen” is a complex undertaking. Insurance company rates vary. The cost of the policy also depends on its validity period, the list of drivers and the city where the car is registered. When choosing where it is cheaper to insure a car under MTPL, look at additional services. Some companies provide them without increasing the cost. This is the restoration of your discounts in case of PCA error, selection of cheap insurance companies for compulsory motor liability insurance, policy delivery and other privileges. Thus, our clients seek advice when an insured event occurs. Such bonuses will also help save your time and budget.