How to request a personalized auto insurance quote from the online insurance companies present to obtain the greatest savings on third party and ancillary third party liability insurance.
Cheap online auto insurance
The prices of online auto insurance are cheaper than a traditional company with a significant percentage of savings mainly due to the direct channel that is created with the end user, thus skipping agency costs for insurance and auto insurance.
The service provided is generally of an excellent standard with transparent contracts which, not providing for automatic renewal, leave the insured the freedom to choose whether or not to renew the car insurance online based on the new car insurance cost proposed in the online car insurance quote with well in advance before the expiry date together with the risk certificate necessary to change the insurance company.
Definition of auto insurance
An insurance company, through the payment by the insured of a periodic fee, assumes the obligation of compensation upon the occurrence of the claim in compliance with the contractual provisions agreed.
The insurance premium, the periodic fee paid to the insurance company by the insurer against the risk of harmful events, has a cost determined by following a statistical mathematical calculation capable of establishing the probabilities that a given event has to occur.
Auto insurance Europe
In the countries of the European Union and in the USA, it is mandatory for all motorists to insure their vehicle by renewing their RCA policy every year, an abbreviation which stands for civil liability.
Motor liability insurance in Europe are for the most part stipulated with the bonus malus formula by means of which, for the purpose of calculating the premium to be paid, the market is divided according to the area of residence of the insured person, personal data, date driving license, type of vehicle insured, frequency and relevance of accidents.
The parameter of the frequency and relevance of accidents affects the class assigned to the insured who makes him go down or move up according to whether he caused or was responsible for accidents.
It should be kept in mind that accidents affect penalties only in the event that the insured person is attributed a liability greater than 50 percent, however there is still the possibility of a sum if the insured causes more than one accident in the same year of observation .
Car insurance merit class
In the scale that attributes penalties or promotions, each position is defined as a class of merit and marked by a number that corresponds to each annual deadline updated to the lower or higher value, decreasing without accidents and increasing in the event of claims with responsibility.
With the risk certificate, which is a document that every insurance company is obliged to release every year upon the expiry of the contract, the positioning of the class of merit is certified.
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Since each company can also have its own assignment class scale, the law provides for a universal conversion scale, abbreviation Cu, which provides for 18 merit classes.
In the risk certificate, the CU value to which the internal scale adopted by the company must also be reported. In the case of a change of insurance company, the new one, in the online insurance calculation, will take into account the CU merit class assigned by the old company.
Definition of auto policy
The motor liability insurance policy is a written document that demonstrates the existence of an insurance contract.
Motor liability insurance policies, which are mandatory, and policies to cover various risks, called ancillary, are contracts between the insured and the insurance company in which the general details of the policyholders, the type and plate of the vehicle, coverage and expected ceilings, any deductibles, the amount of the premium and the duration of the contract.
It is very important that all the information provided is true as in the case of false or incorrect data the company could avail itself of the right of recourse in order not to fully or partially recognize the coverage of the claim, also arriving at the request for reimbursement of the sum possibly paid as compensation to damaged third parties.
Among the main accessory policies with which the motor liability insurance policy can be integrated, the most usual are the theft-fire policy, which is an insurance cover to guarantee the insured in the event of theft or fire of the car.
The amount to be paid for the purchase of this additional coverage is calculated based on the commercial value of the insured vehicle obtained from the quotations of specialized magazines or from the purchase invoice if the car is new.
Another optional policy is the so-called kasko which is a guarantee with which the company assumes the risks arising from the movement of the car regardless of the driver's responsibility.
There are various versions of kasko, from the most complete covering any damage caused to your vehicle, including vandalism and natural disasters, to the less expensive which provides for a contractually established ceiling that affects the additional amount to be paid.
The online policies or internet auto insurance, for which each company makes available to users a guided system for the calculation of online insurance quotes, are generally very convenient for all motorists excluding those belonging to risk categories including novice drivers or people residing in areas with high accident rates.
Online auto insurance quotes
The online insurance quote can be printed and in many cases stops the price until the expiry of the current policy if it still lacks a few months.
It is always recommended to read the motor liability insurance contract carefully before entering into a new policy with a new insurance company.
Green car insurance card
Many auto rc insurance companies also issue the green card for free when signing the contract. The green card is a document to extend the validity of insurance coverage even outside the state of residence. Not required for travel to Andorra, Denmark, Germany, Great Britain, Greece, Cyprus, Croatia, Austria, Belgium, Estonia, Finland, France, Ireland, Holland, Poland, Portugal, Czech Republic, Slovak Republic, Slovenia, Iceland, Latvia , Lithuania, Luxembourg, Malta, Norway, Spain, Sweden, Switzerland, Hungary.
It is instead mandatory to travel in Iran, Israel, Macedonia, Morocco, Moldova, Albania, Belarus, Bulgaria, Bosnia and Herzegovina, Romania, Serbia and Montenegro, Tunisia, Turkey, Ukraine.
The expiry date of the document coincides with that of the Rc auto policy to which it belongs. The Green Card can also be issued, for a fee, by a tourist assistance office such as those present at borders between states.
Car insurance documents on board
The documents that must always be kept on board the vehicle are the insurance certificate and the mark to be compulsorily displayed on the inside of the windscreen.
The obligation to display the insurance mark inside the windshield applies both in Italy and abroad, including all European Union countries, to allow anyone to verify the existence of a vehicle insurance contract even when it is left parked.
It should be emphasized that the marking must be displayed exclusively on the windshield and not on other parts of the car, such as a side window mistakenly considered suitable by some motorists.
