How to Lower the Price of Third Party Liability Car Insurance – 5 Ways

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The premiums for third-party liability insurance for the user of a vehicle have increased significantly in recent years. Due to government decisions, a new system of settling claims and the desire to maximize the profit of insurance companies. That is why most of us try to reduce the premium for third-party liability insurance for cars as much as possible.

There are many ways to pay less . Seemingly insignificant factors will stop you from overpaying for your policy. Just follow the tips below to save up to several hundred złoty per year.

Choose your car wisely, not emotionally
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Already at the moment of purchasing a car you have an influence on dominican republic whatsapp database amount of the OC premium . If it is a smaller car, with an engine capacity of less than 2 liters, the premium will be lower in most companies. People who choose larger and expensive cars, with large-capacity engines, automatically condemn themselves to a higher rate of civil liability insurance. The same rule applies to engine power. The higher it is, the more dynamic the car is usually driven and at higher speeds. Which statistically leads to a greater number of accidents. Therefore, by choosing a car with lower power, you will save not only on fuel consumption, but also reduce the OC car insurance premium.

Don't wait until your insurance ends
It is worth starting to look for a cheaper offer at least a month before the end of your current third party liability insurance. If you wait until the last minute, you will most often get a higher insurance premium. Because companies know after entering data into the system that you must immediately buy another insurance anyway. IT systems are programmed in such a way that you will not get the best offer if you buy a new one just before the end of the old one.

Use a comparison tool or multi-agency
Without comparing offers from many insurers, you have no chance of choosing the cheapest option. It makes no sense to stick to one company. Because the scope of basic protection under third party liability insurance is regulated by law. So civil liability protection in all companies looks practically the same. There is no point in overpaying if you can go to the competition and get a cheaper policy.

Follow these two basic steps
Use the online third party liability insurance comparison tool. Just enter your details in the online form and check the price offers of many insurance companies.
Compare offers in a stationary insurance multi-agency. If you check the offers in an online insurance comparison and do not find an attractive price, this is the best option. In stationary insurance offices such as CUK and similar companies, you can get a cheaper insurance offer.
Pay your contribution in one go
If you do not intend to sell the car within the next year, then paying in two installments does not make sense. By choosing a single payment for the third party liability insurance policy, you gain another dozen or even several dozen percent lower premium amount. Some companies also reward card payments by reducing the amount paid by another few percent.