Owning a motor vehicle involves several responsibilities that every driver should know and consider. The RCA is an essential document that requires extra attention so that drivers can legally drive on public roads.
However, the price of RCA insurance can vary for various reasons, but there are solutions to find a better price. A calculator RCA may be the best option, with many people having the opportunity to compare offers and choose the best option for them.
What factors influence the price of compulsory insurance?
To find a cheap RCA offer, consumers must first enter their personal and car details to find out the final value of the car. The online calculator will identify the person and determine the price based on the following six factors:
1. Age and experience
According to statistics, drivers up to 25 years old are prone to be involved in more road accidents, due to lack of experience, but also due to adrenaline. Thus, insurance companies charge higher premiums for this category, which decrease as the age of drivers increases.
2. Claim history
Claim history and the bonus-malus system are used to determine the final value of the policy. They reward drivers with up to 50% of its value or penalize them with an increase that can reach 80%, all down to traffic behavior and the way they drive. Thus, the price of an insurance can be even half of the initial value if the driver has not been involved in accidents in recent years.
3. Type of car
Equally important is the type of car. Cylinder capacity, type of fuel, as well as age can significantly influence the price. Powerful vehicles are associated with a higher risk of being involved in accidents because of the performance and speeds they can reach.
4. Frequency of use
Insurance companies consider a car use of up to 15,000 km per year to be a middle ground for short journeys, work, shopping and other daily activities, as well as a few holidays during the year. However, if this value increases significantly, the risk of accidents will be higher, so companies will take this aspect into account when renewing the policy.
5. The city where the car was registered
Each county has a certain degree of risk depending on the number of registered cars and the number of accidents. Thus, it can be seen that the city of Bucharest has the highest degree of risk, therefore RCA policies are much more expensive than in other counties in the country, due to much more intense traffic and more difficult driving conditions.
6. Duration of the policy
A policy taken out for a duration of 6-12 months will be significantly cheaper than if one were to choose a shorter period. Thus, drivers can save substantial amounts if they choose this option, plus they can pay it in installments without having to alter the monthly budget.
The cost of the mandatory policy is determined by numerous factors, therefore, selecting the option of purchasing one online RCA insurances it proves to be the most advantageous for many, offering both competitive rates and a much simpler way to compare the various offers available. Regardless of the choice, drivers must comply with the legal requirements and hold this document within the validity period in order to be able to drive freely, without worries.
Source: www.promotor.ro
