The 10 cheapest car insurance in the market/car insurance companies

The 10 cheapest car insurance in the market

cheap car insurance quotes / Find auto insurance coverage for you

car quotes | 9 quotes from Enzo Ferrari that explain the history of cars

automobile insurance / Car insurance is an insurance contract that covers the risks created by driving cars in case of causing an accident.

auto insurance quotes | Get a Car Insurance Quote Online 

insurance companies AND What is a General Insurance Company?

car insurance quotes / How to find a cheap car insurance?

The 10 cheapest car insurance in the market/car insurance companies

Young people pay more than older people and diesel vehicles are also penalized.

Sergio Amadoz · 02/16/2017 14
 The 10 cheapest car insurance in the market
The price of the policies decreased by 0.6% during 2016.


Spanish drivers paid less last year than in 2015 for their car insurance. After a few years of increase, the policies decreased by 0.6% during 2016, although there were variations according to the types of car insurance.

This is the main data of the Rastreator.com Index of Automobile Insurance Prices, which reflects an increase in the average premiums of all-risk car insurances, both without franchising and with it (4.9% and 0%). 2%, respectively) and a decrease in basic third party insurance (-2.9%) and extended insurance (-1.2%).

What is also evident is that not all motorists pay the same: companies rely much more on veterans than on young people. Drivers over 70 years paid 301 euros on average in 2016, compared to 562 euros that had to assume young people between 18 and 24 years.

IT MAY INTEREST YOU

14 cases where full insurance will not cover you
Car insurance takes you home if you've drunk (and another 11 curious coverages)
Why it's not a good idea to lend your car to your nephew
Do you pay full insurance? You may be throwing money
But the study of the comparator points out other variables that greatly influence the price of car insurance, some of which are surprising. For example, the average expenditure of the married was 309 euros, compared to 358 euros for the separated or 351 for singles.

There are also notable differences between what is paid for a new car (295 euros) and what it costs to insure one between 15 and 20 years (348 euros). Likewise, diesel is more expensive than gasoline (6.6%, 312 euros vs. 332), those who sleep on the street and more fined drivers.

However, what most influences the price of car insurance is the experience of drivers. Those with one year or less of card paid an average of 618 euros, considerably more than those who have an old-age permit between two and four years (488 euros). The most benefited are motorists with more than 15 years of driving, with an average in 2016 of 307 euros.

THE DRIVER'S PROFILES
This index of car insurance prices also takes into account three types of drivers, useful to understand how prices vary and to find out which are the cheapest companies.

• Standard profile: includes drivers over 24 years of age, with at least two years of license and less than two guilty accidents during the last 24 months. They paid in 2016 an average of 325 euros.
• Novel profile: includes ages between 18 and 24 years or with less than two years of license and less than two sinister events in the last 24 months. Average premium: 422 euros.
• Loss profile: includes at least two guilty claims in the last 24 months. Average premium: 557 euros.

To find out with a practical example which are the companies with the best prices for a new car (and in a fairly reliable way), we chose the best-selling model of 2016. It is the Citroën C4 and, within this, the BlueHDi 100 Feel version Edition, the most demanded by drivers. About the driver (standard profile), we detail the following variables: married, 30 years, more than 10 years of license, daily private use, without guilty parties the previous three years and between 10,000 and 12,000 kilometers per year.

car insurance

INSURANCE TO THIRD PARTIES *
1. Genesis € 165 (promotional discount included). Travel assistance from kilometer 0 and accident coverage for the driver and occupants (compensation for death or permanent disability, 30,000 euros). Hotel for family or companion: € 61 per person and night (four nights per accident).
2. Regal. € 166 Assistance in travel from km 0 and coverage of accidents for the driver and the occupants (compensation for death or permanent disability, 30,000 euros). Hotel for family or companion: € 61 per person and night (four nights per accident).
3. Direct Insurance. € 172. Assistance in travel from kilometer 0 and coverage of accidents only for the driver (compensation for death or permanent disability, 15,000 euros).
4. Axa. € 180 Travel assistance from km 0 (compensation of € 60 if the crane takes more than 60 minutes). Accident coverage only for the driver without specifying compensation.
5. Direct Line. € 189. Assistance in travel from km 0 and coverage of accidents for the driver and expandable to the occupants (without specifying). Hotel for family or companion: hotel of up to four stars in case of immobilization due to breakdown, accident, theft or theft and if the repair could not be carried out on the same day. Maximum four nights.
6. Reale Seguros. € 204 Travel assistance from km 0 and accident coverage for the driver (optional compensation of € 6,000, € 18,000, € 30,000 or € 60,000). Hotel for family or companion: ticket / € 100 x 10 days (Europe and Green Card).
7. Lagun Aro. € 234 Assistance from km 0 (applicable in Spain without kilometric franchise with the exception of the reimbursement of medical expenses.) It is also covered abroad -Europe and countries bordering the Mediterranean. Accident coverage only for the driver (compensation for death or permanent disability, 10,000 euros).
8. Fenix ​​Direct. € 238 Travel assistance from km 0 and coverage of accidents for the driver (death compensation, 15,000 euros, permanent disability, 9,000 euros).
9. Verti. € 238 Travel assistance from kilometer 0 and accident coverage only for the driver (compensation for death or permanent disability, 30,000 euros).
10. Liberty Seguros. € 264 Assistance in travel from km 0 and coverage of accidents for all occupants (according to the places declared). Compensation for death, permanent disability or temporary disability, 30,000 euros. Hotel for family or companion: € 61 per person and night (four nights per accident).

* Prices vary, although minimally, depending on the comparator used and the promotions activated by the companies.

SAFE AT ALL RISKS (WITHOUT FRANCHISE) *
1. Direct Line. € 507
2. Direct Insurance. € 567
3. Axa. € 594
4. Verti. € 598
5. Reale Seguros. € 673.
6. Genesis. € 753
7. Regal. € 754
8. Mutua Madrileña. € 777.
9. Fenix Direct. € 859
10. Autopoliza.com (Plus Ultra Seguros). € 1,688.

* Coverage of all risk insurance are many to relate them all. Between some policies, there are differences in some details, such as the coverage or not of the theft of keys, the delivery or not of a courtesy car, the compensation for temporary incapacity or the resources of fines. In the case of all-risk insurance, most comparators offer much shorter lists than those that refer to third-party insurance.