Nothing weighs more on the household budget than the liability insurance. On average, every family spends around 600 euros each year to insure a car. However, it is possible to save first of all by comparing the rates of the insurance companies on www.comparasemplice.it, then following the small precautions set out below:
1 - Change insurance company
In Italy there are many insurance companies, and the prices of their policies change very often. To get the best price, all you have to do is evaluate the offers of the main Italian companies every year.
Since 2013, the tacit renewal has also been abolished, so it is no longer necessary to communicate the cancellation to the company in order to switch to a better offer. It will therefore be enough to wait for the old contract to expire.
2 – How to compare prices
If you have decided to change company, in addition to the price, it is useful to compare other elements of a policy, but what are these elements?
Price: it will be necessary to choose the lowest with the same guarantees and services offered.
Deductible: there are companies that offer a deductible overdraft in exchange for a cheaper premium. Is there really convenience? No, to save a few tens of euros you risk having to spend a few hundred.
Ceilings: always choose a policy with the highest possible ceiling bearing in mind that the minimum by law is 1 million euros for damage to property, and 5 million euros for damage to people.
3 - Lawreads Bersani
Thanks to this law, anyone who buys a vehicle can benefit from the merit class of a family member. However, there are some requirements that must be met:
- owner of the car to be insured and that of the insured car are the same
- the owner of the car to be insured is a family member living with the one already insured
- The vehicle has never been insured by the new owner
- the insured family member's policy must be active and not suspended or expired
- the vehicle to be insured is of the same type as the one already insured
- the vehicles must be in the name of a natural person
4 – Annual payment is better than semi-annual
Another way to save on auto insurance is to opt for an annual payment. Payment by installments, therefore two, three or four installments, often involve extra expenses which translate into a higher premium to be paid.
5-QWhich additional guarantees to choose
Sometimes there are policies at very advantageous prices, but these often do not give the customer the right guarantees. Better then to spend a few tens of euros more, always considering the relationship between the cost and the actual usefulness of the guarantee.
A good guarantee is the Driver Injury one which compensates the driver even in the event of an accident with fault. Often this ancillary guarantee is overlooked in the policies that are found at good prices.
Roadside Assistance is useful, especially for those who are not accustomed to small repairs such as a tire change, to get help from competent personnel.
The Legal Protection reimburses the legal expenses in the event of an accident, while Theft and Fire compensates based on the value of the car. The same goes for Kasko Collisione which compensates in the event of an accident with negligence.
Finally, there are Cristalli and Eventi Naturali which reimburse respectively for damage to glass and for damage suffered by climatic events.
