Car insurance: is monthly payment worth it?

Compare offers, even online. Ask for a vehicle inspection to get a discount. And pay attention to additional warranties.

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how to save on car insurance

HOW TO SAVE WITH CAR AND MOTORCYCLE INSURANCE

With the policies of and motorcycles You can save money by paying attention to a few factors that can be decisive. The first is the ability, now very easy thanks to the internet, to compare offers and get a complete overview of the different options before choosing. It's not true that the costs are ultimately the same. There are differences, and sometimes you just need to know how to spot them. Then there are other determining factors.

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EVALUATE THE OFFERS

Insurance companies' products are constantly evolving, especially in terms of costs. This is why it's crucial to compare the different products available on the market. The fact that a policy is sold online, for example, doesn't mean you'll save money or guarantee the seller's reliability. So, keep your eyes peeled, and in any case, it's a good idea to gather references on the site you're browsing to purchase insurance coverage. Three factors matter when making a final decision: price, coverage limits, and deductible. For example, a high deductible with a low policy price isn't convenient; it's just a decoy to avoid.

BLACK BOX

With the new competition law, the black box has become a fully-fledged part of motor vehicle insurance, including from a regulatory perspective. Therefore, those who decide to install a black box on their vehicle automatically qualify for discounts. Furthermore, the data collected by the black box during an accident constitutes evidence that a judge will almost always rely on when determining liability for the accident.

VEHICLE INSPECTION

Before signing up for a policy, to receive a discount on the amount you will pay, you can submit it to a preliminary inspection at the expense of the insurance company.

ALCOHOL TEST

Another way to receive a discount on your insurance policy is to install electronic mechanisms in your car that prevent the engine from starting if the driver's blood alcohol level is found to be above the legal limit.

CANCELLATION IS NOT MANDATORY

Therefore, there will no longer be any unexpected charges for those who decide to cancel their policy after the deadline. The law has also introduced the right to cancel the contract electronically, eliminating the need for registered mail, reducing the timeframe and reducing costs. This flexibility allows you to take advantage of something that has become increasingly common in the insurance market: promotions.

ADDITIONAL WARRANTIES

Review them one by one (from fire to theft to damage), and determine whether you need them and what their cost is. Finally, when you enter the merit rating for the final quote, use the universal one, which is the same for all companies.

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THE BERSANI LAW

Thanks to the Bersani Law (number 40 of 2007), every driver who purchases a vehicle has the opportunity to benefit from a lower merit class than the entry-level one, and therefore more convenient.

WATCH OUT FOR PROMOTIONS

The best deals aren't always the best fit for your needs, so carefully weigh the costs and benefits. Contractual constraints, termination fees, and mandatory options can be ignored when signing up and revealed upon making the first payment. As for payment, annual payments are always more cost-effective.

CERTIFICATE OF RISK

The risk certificate, which contains the driver's insurance history over the last few years, is essential for calculating the premium. Since 2015, it has been available online on your partner's website in the customer area, while insurance companies have access to the database managed by the Italian National Insurance Association (ANIA). Before requesting a quote, always verify the accuracy of the information provided. Also carefully review the coverage limits in the policy you are about to purchase. And make sure they comply with the legal requirements: minimum damages of €1 million for property and €5 million for personal injury.

LIMITED TIME PRODUCTS

If you don't use your vehicle every day, you can opt for daily or term insurance policies, which will allow you to reduce costs while also enjoying legal protection in the event of an accident. A valid alternative if you rarely use your car or motorcycle.

HOW TO SAVE MONEY ON YOUR MOST RECURRING EXPENSES:

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