L'Car Insurance It is a mandatory expense, which is why many Italians are always looking for opportunities to save money that have less of an impact on their finances.
One opportunity that allows you to contain the costs of your car insurance is certainly to take out aonline insurance, benefiting from generally more convenient rates than those of products to be purchased in insurance company branches.
Of course, even in the panorama of online policies there is a wide choice available, so it might not be easy find the most advantageous solution from an economic point of view and beyond.
To ensure that you get an interesting saving, then, it is possible to evaluate the characteristics of the different ones in advance. online car insurance using specific comparison sites such as, for example, 6sicuro.it, a portal that boasts over 20 years of experience on the web that offers a completely free service.
Thanks to online comparators, therefore, it is possible to have a clear picture of the various opportunities, being able to freely choose the policy that best suits your needs.
Main and optional features of an insurance policy
La car insurance covers first and foremost the so-called civil liability, which has a legal nature and refers to both physical and material damages caused in the event of an accident. The maximum coverage can reach up to 6 million euros and sometimes it also extends to whoever caused the accident.
To establish the amount of the premium, which can be annual, half-yearly or monthly, depending on the formulas proposed by the company itself, it is necessary to consider different variables: first of all the use, whether private or commercial of the vehicle.
In these cases, the benefits may be different: in particular, a private individual can take advantage of the specific Bersani Law, which allows you to take into account the merit class of a family member when purchasing a new or used vehicle, to obtain a lower premium.
Another variant is constituted by the displacement of the vehicle, which the more important it is, the more it will affect the total amount. Age, city of residence and even the number of drivers are other elements that can vary the cost of a policy, as well as the inclusion of any ancillary guarantees.
Among the optional extras to add to the policy is the classic Theft and fire, often included in the basic one: it is a coverage that pays the policyholder if one of the two events occurs.
Insurance Cristalli, instead, refers to damage to the vehicle's glass, including the rear window and side windows, whether accidentally or intentionally. Also natural events such as hailstorms, storms or earthquakes can be covered by insurance as well as vandalism freely caused to the detriment of the vehicles.
Finally, you can also request road assistance if you remain on the road due to accidents or sudden damage to the vehicle.
Which insurance to choose
Among the most advantageous insurance companies of the moment is certainly Linear, which can be taken out online or by telephone and is part of the Unipol group: according to experts, the savings compared to other companies are around 40%.
The Count Insurance It has very convenient and comprehensive policies that include the possibility of adding optional features such as Kasko or Collision; furthermore, it differentiates the basic formulas depending on the number of drivers.
Zurich Connect adds roadside assistance, legal protection and coverage for damages suffered by the driver, while Quisha It is equally suitable for cars or motorbikes and includes the possibility of including glass and Theft and Fire insurance in the premium.
To find your way among all these convenient proposals, you must naturally clearly identify the type of use that will be made of the vehicle, so as to exclude or exclude risk factors. If the car is stored in an internal garage, for example, it would be an unnecessary burden to include natural events, whereas if you travel a lot, opting for roadside assistance may prove to be a good option.
Finally, there are vehicles that, depending on the registration date – 20 years or more – can be traced back to vintage or otherwise historically interesting vehicles and enjoy additional benefits such as the Green Card, which extends the validity of the policy abroad and the opportunity to drive even in the presence of air pollution restrictions.
