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Top 5 tips to choose the best online car insurance

To choose the best online car insurance, it is advisable to follow some small and practical tips . There are many online insurance companies operating in the Motor TPL market . How to juggle the many offers? What do you need to know before taking out an auto insurance policy ? The best choice is not only given by the price of the insurance , but also by the services offered in the various insurance packages .


Making a good choice for car insurance is an important thing, because it can allow you to save money and get the best solution for your needs .

None of us has the magic wand, but there are some useful tips that can guide us towards the best choice for the Motor TPL policy . Better doesn't just mean cheaper. In fact, in addition to the insurance price , it is also necessary to evaluate the servicesoffered.

1. Compare different car insurance quotes online


The first tip is to get several quotes for car insurance online . Online insurance companies tend to charge lower prices than traditional insurance companies, as with the elimination of the dislocated offices they are able to significantly reduce management costs. In this way they can lower, for the same services rendered, the final insurance premium.

Furthermore, numerous operators are present in the online TPL market . Some of these operate exclusively online, other companies, on the other hand, operate both through agencies in the territory and through the web. Often the price charged online by the latter is lower than that offered by the agency.

To get a large number of quotes, the best solution is to use online rate comparators , such as the one from SosTariffe.it .

You just need to enter the vehicle data, your own, those of the usual drivers, the services requested. The system will give you the results in just a few seconds with the best online insurance proposals and offer details.

In this way you can compare the various results and, if you are satisfied, proceed with the purchase of the policy . Alternatively, it is also possible to "save" one or more offers, or block them for a specific period while waiting for a final decision. This way you can take time and think about it without running the risk of losing the offer. 

2. Hunting for promotions


Many online auto insurance companies offer promotions reserved for new customers, sometimes even extended to customers struggling with the renewal of the Motor TPL policy . 
These promotions can consist of discounts on the Motor TPL policy or on extra services , or in vouchers for the purchase of products and services .

Sometimes discounts are offered on servicessuch as Kasko, legal protection, extra coverage, roadside assistance, theft and fire, social and atmospheric phenomena, etc. In some cases these services are also offered free of charge.

Some of these promotions are associated with the installation of a device with satellite locator on the car on loan, which also analyzes the driving parameters.

There are policies that provide for pricing based on the parameters registered by these devices. For example, some Motor TPL policies provide a premium in proportion to the number of kilometers actually traveled in the year of insurance . 

It is worth taking into account the various promotions on the market.

Offers are also frequent which provide discounts on additional vehicles , both own and belonging to a family member, if insured with the same company. 


3. Get to know car use and driving style well


There is no rule that applies to everyone in the choice of RC Motor insurance . A good assessment of the use that the car is expected to make, in addition to the characteristics of the vehicle itself, is decisive in assessing the policy.

How many kilometers do you do in a year? Do you travel dangerous roads? Do you use your car for leisure, to go to work or make mixed use?

All this information can be decisive in determining the premium. Furthermore, there are insurance products closer to your characteristics than others.

So think about the services you really need and those that could be really useful. 
Only a good low cost RC car could be enough , but it could also be convenient to add something more to have, for example, roadside assistance .

Having a clear understanding of one's needs, one can therefore assess which one is actually the best choice . Also here it will be useful to use the free SosTariffe.it comparator .

4. With the annual Motor TPL policies you save


A rule that applies as much to traditional insurance as to online insurance is to prefer the car insurance policy with an annual expiry and payment in a single solution .

However, the companies offer the possibility of paying the premium in two six-monthly installments , but this normally involves a surcharge.

Lately, it has spread the practice of deferring the annual premium in installments monthly , thanks to the intervention of a third party (a bank or a financial institution), who will return for a loan . Many companies offer zero-interest financing (TAN and 0% APR).

It is therefore necessary to assess which is the best choice taking into account also the possible surcharge for deferred payments .

5. Eye to Class of merit and Bersani law


If you have not done it yet and you have the possibility, it is worthwhile to take advantage of the option introduced by the Bersani Law .

This law has given the opportunity to those who buy a new or used vehicle to benefit from the most advantageous merit class belonging to a cohabiting family member of the same family.

With regard to class of merit , it is necessary to distinguish between class of universal merit (CU) and class of internal merit . The first applies to all insurance companies and can be "transferable" from one company to another. The internal one is determined by the company with which you are insured and is for the exclusive use of this for the purpose of calculating the premium. Clearly the internal merit class cannot be transferred to another company.

When calculating online auto insurance quotes , reference must be made to the universal credit rating (CU) , otherwise you risk having a falsified estimate.
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About Minh Hiếu

Le Minh Hieu is a national-level weightlifter and a Singapore Weightlifting sports performance coach. Hieu's biggest passion is helping everyone find confidence, happiness, and health through fitness.

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