OSAGO must be issued to each driver in accordance with the law. For the lack of insurance, a fine of 800 rubles is provided for each fixation of the absence of OSAGO.
In this article, we will consider the ratings of insurance companies and find out where you can get the cheapest OSAGO in 2022.
Where is the best place to apply for OSAGO?
The driver can still issue an OSAGO at the office of the insurance company, but recently the online insurance service has become relevant. You can buy an electronic policy (e-OSAGO) on the website of insurance companies, or on special services.
The issue of the safety of buying OSAGO on websites is quite acute, because car owners do not always trust online registration. But in fact, e-OSAGO has the same legal force as the paper version of the policy. The main thing is to choose a reliable insurance service.
How to choose insurance for OSAGO registration
There is a lot of competition in the insurance market, so choosing a company is quite difficult. You should not focus only on the low price of OSAGO, because the company must be solvent and provide good service.
What to look for when choosing an OSAGO insurance company
Expert rating of reliability. Special agencies analyze all the necessary parameters of the insurer and, on their basis, evaluate the company. This indicator will help assess how stable the company is. The higher the rating, the more likely the insurer will pay for the damage.
Rating values:
- ruAAA – the highest reliability rating.
- ruAA, ruA+, ruA – high rating.
- ruBBB – average rating.
- ruB – low rating, it is not recommended to use the services of such companies.
- ruCC – the lowest, may mean that the company is on the verge of bankruptcy.
Expert rating of insurance companies for 2022
The insurance company’s payout percentage is equally important, as it shows how often the insurer pays out damages to customers.
Percentage of payouts by insurance companies in 2022
The national rating is compiled on the basis of feedback from customers. As a rule, this rating is not indicative, since the first positions in it are occupied by small companies that have fewer reviews, including negative ones. It is also worth considering that positive reviews can be custom-made.
Where is the cheapest place to buy OSAGO
The table indicated the lowest cost of OSAGO in different companies. At the same time, it is worth considering that the price of OSAGO consists of various factors. For example, in one company the coefficient for driving experience will be higher than in another.
Therefore, the best option to calculate the cost of OSAGO for a particular driver is to use the OSAGO online calculator.
If insurance is too cheap, this should alert the client, because in this case additional services may be imposed, or you may be sold a fake policy.
What determines the price of OSAGO
Choosing the best insurance is not so easy, because you need to take into account not only the reliability of the company and its rates for OSAGO.
The price of an OSAGO policy consists of several parameters, and each of them plays a role in price formation.
To quickly compare OSAGO prices from different companies, you can use the OSAGO online calculator.
On the e-osago.ru calculation is made for 15 insurance companies. The calculator will give the most profitable OSAGO option.
