Casco calculator online for everything. Casco calculator. Video: how to save on a comprehensive insurance policy

In 2018, the cost of a CASCO insurance policy depends on the financial policy of the insurer, special offers and additional options. You can calculate the policy price for all insurance companies and get acquainted with all offers using online calculator CASCO.

How to use the CASCO calculator - instructions

Online calculation using the CASCO calculator is quite simple and takes only a few minutes. If you have any additional questions, please read the instructions below:

1. First of all, select the make, year of manufacture and model name of the car.
2. Next, the calculator will request information about the vehicle body, transmission, engine size and power.
3. Use interactive sliders to set your vehicle's current mileage and market value.
4. In the next step, note the presence or absence of satellite signaling.
5. Next, select one of the options - whether the car was purchased on credit or not.
6. Select the owner's region by registration from the proposed options or enter your own in the appropriate field.
7. At the final stage, provide information about the driver or drivers. Click Show Results.
8. After this, the calculator will offer you a calculation of the cost of CASCO for all insurance companies.

After calculating the prices, you can continue online registration of the policy, taking into account all the offered discounts and promotions in the selected insurance company.

What is the difference between CASCO and OSAGO?

In 2018, in Russia there are 2 main insurance products for car owners - and CASCO, which are radically different both in purpose and in cost. The first policy stands for compulsory motor third-party liability insurance and essentially insures not the car itself, but the material consequences of the driver himself in the event of his guilt in an accident.

The CASCO policy prevents possible material losses in the event of any damage to the vehicle or its theft. It is worth noting that there are now many different tariffs on the market for this type of insurance, providing either complete protection or insurance against certain impacts.

The price for MTPL insurance is significantly lower than CASCO, but in 2018 a significant increase in prices for compulsory insurance is expected, as a result of which the prices for these products may level out.

List of required documents for calculating and processing CASCO insurance in 2018

To purchase a CASCO policy, the following package of documents is required:

• General passport of the Russian Federation
• Driver's licenses of all people allowed to drive vehicles
• Passport technical means(PTS)
• Application for concluding a CASCO agreement.

When calculating and registering CASCO insurance online, you will need reliable information from the first 3 documents. The application will be generated automatically after filling out all fields of the calculator form.

What determines the cost of a CASCO policy?

By the beginning of 2018, the average cost of a CASCO policy for individuals in Russia was 65 thousand rubles per annual contract. The main factors that directly affect the final price tag are the model and equipment of the car, the region of its operation, the age and driving experience of the owner, as well as the current financial policy of the insurance company, the chosen tariff and other conditions.

How to save on CASCO

In order to save on purchasing a CASCO policy, it is important to study all current offers on the car insurance market from leading companies specializing in this type of service. Taking into account the fact that there are more than a dozen such companies, and each of them has its own tariff schedule, consisting of a whole list of types of insurance, this is not easy to do. An online calculator will help you calculate the cost of CASCO insurance for all insurance companies in just a couple of minutes. In addition, take note of a number of other ways to save on car insurance:

• Use a franchise. Franchise is an amount that is deducted from the basic cost of the policy, but the same amount will be deducted when paid after the occurrence of an insured event.
• If possible avoid buying a car on credit. Typically, insurers increase the cost of CASCO for credit cars by 10-15 percent.
• Do not include young people in the contract drivers with little driving experience. Experienced drivers with a good insurance history can save up to 50 percent on the cost of the policy.
• Ask your insurance company if they have discount for complex purchase of CASCO and MTPL. Some companies are developing both areas of car insurance, so they are interested in selling two products at once.
• Explore additional services and special offers. When purchasing CASCO from some official insurers, after calculating on the calculator on our website, an additional discount is provided.

Unified CASCO cost calculator:

1. Allows you to calculate and compare CASCO in different companies,
2. Current cost for 2020, accurate manual calculations,
3. Benefit up to 25% due to special conditions and discounts from partner insurance companies,
4. Free consultations our experts will help you make a more informed choice,
5. Detailed analysis of conditions insurance in a company you are interested in,
6. CASCO calculation for you does not oblige buy a policy from us or get insurance at all,
7. Free delivery policy.

Filling out the form takes no more than 2 minutes.
The exact calculation is made manually by an experienced expert. No spam or annoying calls.

You can choose the best offer, pick up a ready-made CASCO car at the office or order free delivery.

We select CASCO manually!

To eliminate calculation errors and suggest best options insurance, calculation of tariffs for CASCO is carried out only manually by experienced specialists.

You will be offered options for calculating CASCO against theft, full CASCO, CASCO with a franchise and/or CASCO with installment payment, as well as special CASCO programs (50 for 50, 100 for 50, etc.) - at your choice! You can find out the prices for CASCO for credit cars, as well as for new and used cars.

Insurance agency "Gosavtopolis" is 10 years of experience in serving clients!
The Gosavtopolis insurance agency was opened in 2005 and operates in 25 cities of the Russian Federation. During this time, more than 46,000 individuals and companies became our partners in various types insurance, and many of them are friends. We don't suggest taking our word for it, we suggest using our free insurance cost estimate for 2019 to see how helpful we can be for you!

It is important that the solvency of the partners we offer is confirmed by reviews of those who have already faced compensation for losses. Experts from the Gosavtopolis agency constantly monitor the situation regarding the quality and timing of payments.

Free post-insurance support from Gosavtopolis

• free and unlimited consultations for insurance events,
• cumulative discounts when renewing the policy,
• timely warning about the expiration of insurance coverage.

How the CASCO calculator works

1. Fill out all fields of the form,
2. Discuss the details with a consultant,
3. Receive a calculation with a comparative description of CASCO from different insurance companies,
4. Choose a tariff that is favorable for you,
5. Receive your policy in the office or by courier,
6. Free post-insurance care and service for a year.

Do you need MTPL insurance?
Calculate the cost for

— online calculation of the cost of the policy.

* Attention. Car insurance calculations are preliminary. The cost of the policy can be changed if all data is clarified and documents are approved by the insurance company.

Signing up for a CASCO package is a must-have action for any modern car owner living in our country. The popularity of CASCO insurance for trips abroad is growing. CASCO insurance is a kind of guarantee that a car that gets into an unpleasant situation will definitely be repaired. Calculating the amount will be easy and simple, because the CASCO calculator on our company’s website will make this process understandable for everyone.

What is important to know:

• Car make
• Machine model
• Year of manufacture of the car
• Number of drivers, their driving experience

You can add special ones to any standard car insurance conditions, since our website has such an opportunity. Clarifying your requests allows you to determine the cost as accurately as possible and influence it by eliminating unnecessary items or adding necessary ones. Calculating the cost of CASCO online is a great way to satisfy your curiosity and plan future expenses so that they do not make a hole in your budget.

Do you want to calculate your CASCO policy, and even online, without leaving your home or taking advantage of a short break from work? Great! Enter your data into special form windows and get instant results. The CASCO calculator on the Element company website is designed in such a way that everyone can cope with the task - an experienced Internet user and a beginner who is just beginning his steps in exploring the possibilities of the World Wide Web.

It’s up to everyone to decide for themselves how to calculate CASCO insurance for a car or use the help of insurance agency managers, but both options will give an approximate amount. In the final version, the calculation of CASCO insurance may change due to the clarification of all the data, but this, as a rule, does not differ much from the calculator and the cost it offers.

Online insurance calculation services

Modern life is so fast that sometimes it leaves us no time to long trips around the city to visit companies and resolve issues. Online insurance – great option for business people or for those who value their time. In addition, the very speed of data processing already allows you to save on traveling around the vast city of Moscow, because you can submit a request for a calculation while in the office, while on a business trip, and even when you are sick and do not have the strength to deal with the insurance issue.

Contact the Element insurance agency and get the opportunity to make all the calculations in any place convenient for you!

CASCO, a type of voluntary car insurance, is used in recent years enormous popularity. This service is offered by most modern agencies, which has a positive effect on the cost of the policy, making the product competitive. There is also the other side of the coin - the difficulty of choosing; you can calculate motor insurance on many sites, but which one should you choose?

Car owners have several questions: “Where should I go? Where to make a calculation to purchase insurance certificate profitable?" In the conditions of modern competition, prices vary greatly, not only among different insurers, but also within the same company; numerous calculators on websites can verify this.

Selection of CASCO insurance with discounts on our website online.

Unlike compulsory motor liability insurance, a voluntary contract has a more extensive list of insurance situations, including:

• Damage.
• Hijacking.
• Natural disaster.

But not all insurance contracts apply to the above cases. In this case, a simple classification of car insurance applies:

• Full coverage. This type of protection implies complete, comprehensive protection of the car from the following insured events: theft, theft, collision, rollover, explosion, fire, falling of a car, falling of heavy objects, natural disasters. Very high frequency protection requires additional free services: evacuation from accident scene, visit of an emergency commissioner, payment for a taxi, and sometimes even renting a car while repairing your own vehicle.
• Partial or incomplete coverage. This type of contract offers auto insurance in a specific case. The two main risks are theft and damage to the vehicle. Paying for partial insurance is much cheaper than full insurance; the discount can reach up to 70%.

How much does such a policy cost and how to calculate it?

The price for most brands is often quite high. The average tariff ranges from 3 to 7% of the total price of the car. Many people try to save money by finding an organization that can offer the cheapest product. But then the cheapness can cost much more.

As a rule, too low prices indicate either the insurer’s dishonesty, or that the organization is doing poorly and needs to attract customers in any way. These cases lead to the closure of the company, so you should not skimp on your financial protection.

There is an opinion that insurance cannot “disappear.” If the company cannot fulfill its obligations, the state will take over them. Unfortunately, this only applies to compulsory MTPL.

CASCO, in turn, is voluntary, and therefore there are no guarantees for payment of compensation government bodies they don't give it. In order not to make a mistake and not lose your money, you need to focus not on the price list, but on the company’s reputation in modern market, customer reviews and choose a company by average price comparing several offers. To do this, it is necessary to make calculations in top organizations.

Particular attention should also be paid to the tariffs; we advise you to find out the premium amount in real time on our website. The minimum price will cost approximately 2.5% of the total price of the vehicle. There is no need to talk about average values, since each specific case is calculated individually by companies. Each tariff includes a fairly large list of coefficients that have increasing and decreasing values.

A huge number of factors are taken into account, which ultimately give a certain numerical result in the form of %, which is multiplied by the price of the car and the insurance price is obtained. It is important to note that for beginners and experienced car owners, different protection conditions are offered, as well as a selection of risks. To save time, it is best to contact our experts who have information about all current programs and special promotions. This will save a lot of time and get results in the form of price-quality.

What determines the cost of the policy? Price of protection for a new car.

In addition to used cars, there are also new, just purchased vehicles in 2019. In this case, the decision to purchase a certificate depends only on the desire of the driver. But one should take into account the financial benefits available specifically for this category of vehicle.

Now almost all banks require you to draw up an agreement when purchasing a car on credit. In this case, the vehicle acts as collateral, and the protection certificate guarantees its safety and compensation in case of loss.

If everything is clear with a newly purchased vehicle, then a used car has its own nuances and features of calculating the price of protection. In this case, special factors are taken into account. Some of them have fixed values, while the rest directly depend on the car owner and can be adjusted individually, depending on his insurance history.

Factors beyond the driver's control:

• Age. All companies keep statistics on cases with compensation for losses, and the results have an interesting trend: the older the driver, the less he gets into traffic accidents. However, after age 65, the number of accidents begins to rise. That is why many companies have established certain age limits: drivers under 22 and over 65 years old receive increased rates.
• Driving experience. The more experience, the less the driver will pay for vehicle protection.

All organizations base their protection program fees on a worst-case basis. This happens if two or more drivers are included in the contract. The amount of payment is calculated based on the youngest representative.

Today, in 2019, corporations offer car owners to use a special “multidrive” service. It provides for no restrictions on the number of people allowed to drive an iron horse, and, consequently, parameters such as age and experience are ignored.

In order to use the “multidrive”, you will need to pay extra. Enterprises use the highest odds for this option, so our experts advise avoiding it unless necessary.

Factors depending on the driver are as follows:

• Car make and model. Statistics show that certain car brands are of particular interest to car thieves. But there are also those who practically do not steal. The differences also lie in pricing policy for vehicle repairs. The more expensive the vehicle, the more you will have to pay for repairs. Companies must take this data into account when calculating prices. To significantly save on vehicle protection, choose a less stolen or costly model.
• Year of release. An increase in vehicle age entails an increase in tariff. This is due to the fact that it is much more difficult to find spare parts and components for older brands. Once a vehicle reaches a certain age, usually 8-10 years, most companies refuse to take it.
• Transfer from one company to another. Don't be afraid to change companies. All discounts and advantageous offers are cumulative. It is also important to note that most organizations, when switching from a competitor, give their clients an additional bonus, which can easily reach 30%.
• Choosing a service center for vehicle repair. For some machines covered by warranty, service and repairs are carried out at official dealership centers. If there is no such guarantee, the organization can offer the services of partner enterprises with which an agreement has been concluded. If desired, the car owner has the opportunity to choose a “service center at his own discretion,” but such a program will cost 20 percent more.
• Payment with wear and tear on spare parts. For vehicles whose warranty period has expired, organizations offer a special option called “payment based on wear and tear on spare parts.” For some makes and models, this service is required.
• Franchise. The deductible represents the unpaid portion of the damage. If the contract provides for such an addition, then in case of damage estimated within this amount, the owner will pay for the repairs himself. If the damage is more significant, the deductible is deducted from the total amount of compensation.
• Type of sum insured. There are two payment options: aggregate and non-aggregate. The aggregate amount decreases with each subsequent payment case. Non-aggregate, in turn, has a constant value that remains unchanged regardless of the number of payments.

Where is it cheaper to get CASCO insurance in Moscow?

Most clients ask: “Where is the best deal?” Today there are a huge number of organizations available that offer their services for vehicle protection, both in the office and on the Internet. Each of them has the opportunity to make a calculation on the website, allowing you to find out the full premium under the contract. Despite the fact that the factors are the same everywhere, differences can be found in the size of the coefficients and tariffs. In recent years, a certain rating of corporations has been formed that combine accessibility and a high degree of reliability:

• Tinkoff. Big advantage insurer - the ability to remotely purchase a contract, for which bonuses and discounts are awarded.
• Renaissance. Possibility to buy a document with telematics.
• Sun. Availability in the company profitable programs for neat drivers at an affordable price.
• Rosgosstrakh. The opportunity to use a franchise and purchase a policy in installments on favorable terms.
• Ingosstrakh. The best solution for family citizens with children, with extensive experience, adults with a convenient application.

By choosing an agency you receive free expert assistance.

We are the official representative of the most reliable organizations; we have been selecting individual programs for our clients since 2009. You can easily and profitably buy a certificate from the best corporations. On our website you will find a special calculator that will allow you to find out the rates of several companies, and then choose the best offer possible in comparison.

site - an assistant who will insure the car at the most better conditions, and will accompany the entire current period. If necessary, we will assign you a personal lawyer who will take care of everything controversial situations. Seek a free consultation from experts with over 10 years of experience, a positive result will be guaranteed.

As of today Russian market There are more than 200 insurance companies represented, and almost each of them offers their clients several CASCO programs, the cost of insurance for which, even for the same car, differs significantly. Many drivers planning to insure a car under the CASCO program are wondering whether it is possible to independently calculate estimated price policy to estimate how much the cost of CASCO insurance will cost them.

Theoretically, it is impossible to calculate the cost of CASCO on your own only for the reason that each insurance company determines the individual price of the policy, which, in turn, is established in the contract. However, there are a number of general criteria that directly affect the cost of insurance and allow you to calculate its approximate range. In this article we will describe the main factors influencing the calculation of the CASCO insurance premium.

Factors influencing the cost of CASCO

Factors influencing the cost of a CASCO policy can be divided into two conditional groups:

1. Basic - are universal for all insurance companies.
2. Additional - may vary depending on the specifics of the insurance product offered by the insurance company and the risks covered by the program.

Let's look at each criteria in more detail.

Main criteria affecting cost

Insured value of the car

This criterion does not imply the price specified in the car purchase and sale agreement, but the market value of the car determined by the insurance company on the date of conclusion of the CASCO agreement. The calculation of the insured value of a car includes such factors as: manufacturer's brand, model, year of manufacture, technical specifications, mileage and current market value of the car.

Vehicle theftability

The theftability of a car strongly correlates with the market value of the car - the more expensive and prestigious the car, the higher the likelihood of such a car being stolen. This is why insurance companies pledge additional odds, depending on the theft rate of the vehicle. For example, for car models with a high theft rate, the cost of CASCO insurance can increase from 15 to 20%.

Number of persons allowed to drive a car, their age and experience

According to statistics from the Ministry of Internal Affairs on road accidents, the majority of accidents occur among drivers under 21 and over 65 years of age. Accordingly, if a person allowed to drive a car falls under one of these age categories, the cost of CASCO increases by approximately 20-30%. However, such a high surcharge can be avoided by including a second driver from an age category outside the increased risk into the insurance policy. The situation is similar with experience: the more experience the driver has, the lower the markup.

Geographic location of the vehicle

When calculating the cost of CASCO insurance, insurance companies take into account special territorial accident rates, calculated on the basis of accident statistics in a particular city. For example, in Moscow the accident rate is 2.0, but in the Moscow region it is 1.7. Thus, the cost of CASCO for residents of the Moscow region will be slightly cheaper than for residents of the capital. As in the previous paragraph, you can reduce the territorial accident rate by including a second driver with suitable registration in your insurance policy, or by taking out a policy in a region with a lower accident rate.

Additional criteria affecting cost

Additional criteria affecting the price of a CASCO policy include:

Method of reimbursement of insurance payments

IN in case of an accident, the insurance company is obliged to compensate, to one degree or another, the cost of car repairs, which, as a rule, are carried out at the official service center of the vehicle manufacturer. However, such a scheme is very unprofitable for both the car owner and the insurance company, due to the high prices of official representatives.

To save on repairs, many insurance companies allow the possibility of restoring a car in unofficial services. If you agree to a policy with this condition, you can save from 20 to 40% of the base rate. However, repairs in unofficial service stations have one significant drawback - a lack of confidence in the proper quality of service.

Pay attention! CASCO insurance with the condition of repairs in unofficial service stations is categorically not suitable for cars taken on credit or under 3 years old, as this may cause the loss of their warranties!

Availability of a franchise

Franchise is the portion of insurance payments that the car owner voluntarily renounces upon the occurrence of an insured event. The larger the amount (it can be expressed either as a specific number or as a percentage) of the franchise, the lower the cost of CASCO.

There are two types of CASCO franchise:

• conditional franchise – provides insurance compensation if the amount of losses after an accident exceeds the deductible amount;
• unconditional deductible – provides for the deduction of a certain amount from insurance compensation, regardless of losses after an accident.

Pay attention! A deductible is only advisable if minor damages frequently occur, since they will not affect the history of insurance payments, and in the future, when concluding a new policy, they will not cause an increase in its cost.

History of insurance payments

The history of previous insurance payments plays an important role, and not only CASCO, but also MTPL is taken into account. If in the past the driver often got into accidents, the cost of CASCO may be overestimated, and trouble-free driving, on the contrary, will cause a significant discount from the insurance company.

The presence of an alarm system and other anti-theft systems in the car

Anti-theft systems significantly reduce the risk of car theft and, accordingly, have a positive impact on the cost of CASCO insurance. However, not all insurance companies include this clause in the contract.

Reliable car maintenance conditions significantly reduce the risk of theft, which, in turn, affects the cost of the policy. Therefore, it is not recommended to leave the car in the yard, but to park it in paid parking lots or in a garage.

Basic calculation formula

Each insurance company determines an individual formula for calculating CASCO, therefore, as previously said, the final cost is different for everyone. The most common, and at the same time simple, formula is:

CASCO cost = (basic tariff × wear and tear coefficient and year of manufacture of the car × factor of age and experience of the driver × franchise coefficient × installment coefficient) + (tariff taking into account theft × wear and tear coefficient and year of manufacture of the car × safety systems coefficient × installment coefficient).

Example of calculating the cost of CASCO

The table below shows an example of calculating CASCO insurance in one of the large insurance companies in Moscow:

However, modern conditions make it possible to calculate the cost of CASCO insurance automatically, using special calculator services. Such services, as a rule, are available on almost all websites of insurance companies, have an intuitive interface and, in some cases, are expanded with additional functionality.