What can affect the increase or decrease in value CTP.

The fact that such insurance CTP (compulsory third party liability insurance), and since 2003 it has been known in our country, all who have their own car. Every driver of a personal vehicle, I would like it or not, it must insure the vehicle - without fail.

The cost of the compulsory motor insurance is also known - 1980 rubles (for individuals) must be multiplied by a certain factor by which the cost of insurance can vary CTP - to change, and very significantly, depending on various factors.

What factors influence the increase in the cost of CTP?

There are several. Thus, the cost of auto insurance increases, if the driver is under the age of 22 years, and its overall driving experience with less than 3 years.

Affects the cost and term insurance: the longer it is, the higher will be the multiplier value.

There are also factors that are determined by power of the machine: accordingly, the greater the horsepower of the motor car, the more expensive the procedure will cost. That is why the owners of less expensive car with a small engine capacity of CTP insurance is considered cheap, but for the owners of prestigious and powerful cars it can be quite costly. Matter and other vehicle characteristics: type, time of use, etc. Increased cost of the procedure and in cases where the effect of the policy applies to a few drivers - for example, when the car drive members of one family, or the number of drivers in general is not limited.

It is also important residence owner of the car: more than all possible CTP will cost the residents of Moscow, followed by residents of St. Petersburg, and more - people in other major cities.

Drivers who became responsible for an accident, and moreover, not once, have to spend even more for their car insurance cost will be much more expensive.

Still, there are other factors, by the use of which may decrease the cost of CTP.

First of all, it refers to the careful and responsible drivers who drive so that does not become responsible for an accident. If the driver does without an accident, or it might not his fault, he gets a 5-percent discount, and for each year of calm. Thus, a few years can accumulate quite impressive discount, and this is the decrease in value.

Save can be in other ways.

For example, the driver lives and works in a big city, Moscow, St. Petersburg, but registered in another place, and it is better if it is a small town or village. Reduced rates in this case, shall be valid, as the vehicle will be registered where the registered driver.

If the driver is still registered in the big city, then there is another way: the car can be adjusted to a relative who lives in a rural area or small town, and over the general power of attorney to make a far greater powers than usual. This method is completely legal, and in the practice of insurance companies such cases today occur.Ability to execute and pay for insurance in parts - is also a way to save. Most often, so do the drivers who need insurance and not enough money.

In such cases, you can pay each quarter, first paid 40%, and then the rest of the money put into the pot to her oncoming interest. However, this way you can save a little bit, but it's also money.

To find out how much can cost insurance, you can make an online payment CTP - for it on our website has a special online calculator.