# How much does car insurance cost?
Every car owner is obliged to take out liability insurance. The rate of such insurance depends on several factors, including the make and model of the car, place of residence and driver's profile. So how do you choose the best insurance and what to consider? We invite you to read the article.
How to check how much does the insurance cost?
You can check how much car insurance costs on practically every website of the insurer using the premium calculators . are another platform to check the price Online insurance comparison websites . However, if we want to go to the insurer personally, the insurance agent . Each person who reports to the insurance company has a wide selection among various offers.
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What influences the price of third party liability?
As we mentioned in the introduction, the price of insurance is influenced by several factors. The amount of the contribution depends, inter alia, on:
• insurance history that has the greatest impact on the cost we will have to pay. The longer the history and less damages, the cheaper the policy
• place of residence , if we live in a larger city, the insurance will be more expensive, because the larger the city, the greater the traffic, i.e. the greater the likelihood of damage.
• make and model , according to the price comparison website, owners of a Skoda car have the cheapest insurance. The most expensive brands include BMW, Audi and Mercedes, which are statistically more likely to be involved in bumps and accidents.
• year of production affects the price, because it allows us to determine the technical condition of the vehicle.
• engine capacity is taken into account when calculating the policy premium, because the greater the capacity, the higher the possibility of driving faster, which translates into more accidents.
• type of fuel , the most expensive insurance will be paid by the owners of a petrol car with an LPG installation, and the cheapest policy will be paid by owners of electric cars.
• age, age affects the price of insurance due to the fact that young drivers have no experience behind the wheel and are characterized by youthful bravado.
• Marital status when it comes to marital status, in 2020, according to statistics, married couples were offered lower rates than unmarried women or single men, because marriage involves having children and thus safer and more careful driving.
How much will a young driver pay for the TPL?
Unfortunately, young drivers pay the highest premiums. Due to the fact that, according to the insurers, they are treated as inexperienced drivers who drive too boldly, quickly and not adequately to their abilities. Most insurance companies have a threshold that defines a young driver, which is the age of 26 . These people will pay a high stakes. The higher amount will be paid by drivers who are under 26 years of age and who insure a car of a brand considered less safe, such as BMW or Audi. If at the beginning a young driver causes a bump or an accident, his premium can be expected to skyrocket. In this case, it may be even more than PLN 2,000.00. The rates start to decline around the age of 30.
What is the price of the co-owner insurance?
When it comes to car insurance with a co-owner, it is a very favorable situation, especially for young drivers. If a young driver wants to take out car insurance, the co-owner of which is an older, experienced driver who has no bumps on his account, it will significantly reduce the price of the policy even to PLN 1,000.00 . If the joint owner is the other young person, the premium may increase even more. Please note that if either party causes a bump, all discounts will be forfeited.
What is the price of new car insurance?
the insurance should be cheaper . Why? Insurance companies believe that the newer the car model, the safer it is because it includes modern safety systems, it is less prone to breakdowns, and there is less risk of a collision or accident. The paradox is that completely new cars coming straight from the showroom will not have the lowest rate and it will be higher than the cost of a multi-year car policy , because insurance companies believe that cars from the showroom are bought by doctors, lawyers, IT specialists who are judged to be more inclined to causing bumps or accidents.
What influences the AC price?
has an impact on the price of additional autocasco insurance package we have decided on We should consider what scope of protection will be the most beneficial for us. We have a wide selection in various variants, which will allow us to choose the perfect protection for our needs and will affect the final price of the policy. One of the most important things to remember when buying an AC package is not to introduce own shares and abolish depreciation. Most often, the cost of an autocasco depends on the age of the car, the number of risk, the method of claim settlement, depreciation of parts, sum insured, excess share in the damage and the driver's place of residence. For more at [Mobilny Mechanik](https://www.twojapomocdrogowa.com.pl/)