CTP base rate max. Basic OSAGO rate. When was the last time you changed

What affects the cost of OSAGO?

• To calculate the cost of OSAGO insurance companies take into account coefficients for each individual driver, where all those taken into account are multiplied by the base rate rate.
• The main coefficients affecting the cost
  • Tb - basic tariff rate.
  • Kt - territorial.
  • Km is the power of the car.
  • Kvs - age.
  • Kbm is a bonus-malus, which can both provide a discount and increase the cost of the policy.
    Your MBM will be calculated based on the number of years of accident-free driving.
  • Kn - increasing coefficient in the presence of gross violations of OSAGO rules.

How is the online calculation of OSAGO performed?

• The cost of an OSAGO policy is not a static value. Legislative changes are regularly made to the existing billing algorithms. All of them are already taken into account on our website. in the OSAGO calculator 2019 and settlements are carried out at the new tariffs.
• Software function allows calculate the cost of an OSAGO policy by entering the required information.

Clue!
When filling out an online form ( calculation of OSAGO 2019), you can always go back in order to correct the data for recalculating the cost of OSAGO, taking into account the KBM. You can also continue OSAGO calculation at any time, because the data you enter is saved.

Why is an online calculator better than a standard one?

• Mobility
  Ability to perform calculation by OSAGO calculator according to the most advantageous option - at home or in the office, without getting up from the computer.
• Quick search
  The OSAGO online calculator allows you to compare policy cost calculations on a number of reliable insurance companies with a stable reputation and choose the best policy option.
• Accounting for all factors affecting the price of OSAGO
  The OSAGO calculator takes into account all the factors of value formation - technical, economic, geographical, human and provides the most accurate information.
• Profitable terms
  Calculator provides information on the price of OSAGO, taking into account all promotions and bonuses.

Ingosstrakh Insurance Company is one of the leading companies in its field. It has been operating since 1948, and during this time has gained many regular and grateful customers. Leading rating agencies have assigned the stable a high reliability rating of “A++”. Its authorized capital at the beginning of 2017 totaled 17.7 billion rubles. It offers its clients a wide range of insurance services, however, CMTPL policies are the most popular. If you are interested in knowing under what conditions you can buy an auto insurance policy this year, read this article.

The rules of the OSAGO auto insurance program from IC Ingosstrakh state that in the event of an accident, the owner of the car will be reimbursed for the following types of losses:

• Causing damage to the property of other participants in the accident;
• Causing harm to the life or health of third parties in an accident.

In case of damage to property, compensation is due, which has a maximum limit of 400 thousand rubles. If harm is caused to the life or health of people, then the maximum amount is set in 500 thousand rubles for each victim.

How much does an OSAGO policy cost in Ingosstrakh

Many factors affect the final cost of the policy, such as:

• The size of the base rate;
• Number of drivers, their age and driving experience;
• The region where the owner of the car lives;
• The year in which the car was released, its engine size;
• How many accidents have there been in the past?

Below is a table that shows the estimated cost of an OSAGO policy that is relevant for residents of Moscow in 2017.

Machine brand	Year of issue	Engine volume, h.p.	Driver age	Driving experience	The price of the OSAGO policy in rubles. for 12 months
Ford Focus

Making an electronic policy online

Modern technologies do not stand still and today you can buy an OSAGO policy via the Internet. This can be done on the official website of the insurer. This method is convenient because it will take you very little time, and you will not need to leave your home. By issuing OSAGO online on the official website of the insurance company, you will be sure that you will not receive a fake. Print the finished policy in several copies and save it on several electronic media. This will give you a guarantee that you will not lose it. When applying for a policy online, be careful and attentive to avoid mistakes.

An incorrectly specified surname with a difference of one letter will invalidate the policy. Enter information about yourself and about the car from the documents at hand. To purchase an OSAGO policy, you must have a diagnostic card. After payment, the policy will be sent to your email box and will have the same legal force as in the paper version.

Step-by-step instruction

Give this procedure 30 minutes of your free time and go to the Internet.

1. Visit the official website of the Ingosstrakh insurer;
2. Fill in the required fields in the calculator;
3. Specify the type of contract;
4. Select the region and locality in which the owner of the car permanently resides;
5. Indicate the make, model, year of manufacture of the machine, as well as the exact number of people who are allowed to drive;
6. Go to the "Calculation type" section and check the "exact calculation" box;
7. Do not forget to indicate the start date of operation of the car and the period of operation;
8. Click on the "Calculate" button.

Almost immediately, the system will issue a calculation. Select the "Issue a policy" function and go to your Personal Area. Fill in all the necessary information in your personal account and check the box next to "consent to the processing of personal data". By these actions, you will issue an OSAGO policy, which will only have to be paid with a bank card. After the payment is made, you will receive a ready-made policy to your email inbox.

Who is included in the auto insurance policy

The owner of the vehicle, as well as other persons who have the right to be driving a particular car, must be entered into the OSAGO policy. There is also an option to select the "No Limits" option. In this case, all people who have a valid driver's license will be able to drive the car. In the company "Ingosstrakh" you can issue both options described above.

Who can get a discount on OSAGO in 2017

Certain categories of citizens have been identified who can purchase a policy this year at a discount.

• Drivers with long driving experience;
• Drivers who do not have traffic violations. Owners of vehicles that have been in an accident will purchase the next insurance at a price 2 times more expensive than the previous one. On the contrary, careful drivers receive a 5% discount for each year of driving without an accident. The discount cannot be more than 50% for ten years of driving experience.

OSAGO calculator "Ingosstrakh"

• Type of car owner - natural or legal person;
• Type of vehicle and the presence (absence) of a trailer;
• Machine engine power;
• The validity period of the insurance contract;
• Region and city of residence of the owner of the car;
• If the machine can be driven by an unlimited number of people, then mark the calculator as “unlimited”;
• If there is only one driver, please indicate detailed information about him.

After the required fields are filled in, the system will issue the exact cost of the auto insurance policy. Fill out an application for the purchase of a policy only on the official website of the insurer, so you will save yourself from "fake" policies. A fake policy will deprive you of the opportunity to receive money from the insurance company in the event of an accident.

Now almost all insurance companies offer to issue electronic policy OSAGO online without leaving home. The procedure consists in filling out a questionnaire on the insurer's website, which contains all the necessary data for issuing a policy, such as car information, information about drivers, etc. The cost of the policy is calculated automatically after the data you entered, taking into account the CBM. You can also pay online with a credit card. After payment to your address Email an electronic policy E-OSAGO will be sent, as well as related materials: insurance rules, a memo, a notice of an accident with an example of filling out.

When purchasing an E-OSAGO policy, its validity will begin no earlier than 3 days after registration.

How to calculate the cost of an OSAGO policy

The cost of the OSAGO policy is calculated on the basis of basic rates and insurance coefficients according to the following formula:

OSAGO price = Base rate * CT * KM * KVS * KO * KS * KN * Kpr * KBM

Base rates and coefficients are approved by the government Russian Federation. The coefficients are constant for all insurance companies, and the value of the base rate has a corridor within which insurance companies can set the price (since 2014). Thus, the cost of the policy may differ in different insurance companies.

Changes in OSAGO

• Now you need to contact your insurance company for compensation, regardless of the number of participants in the accident. This is called "direct damages". Previously, this option was possible only for the participants in the accident, there were two.

• Have an opportunity purchase electronic OSAGO policy via the Internet. Only novice drivers will not be able to use this service, information about which is not yet in the database of the Russian Union of Motor Insurers.
  Specify the possibility of providing this service by a particular insurance company.

• Car owners have the opportunity extend OSAGO policies in your insurance company in electronic form via the Internet. To purchase a new policy, you must still contact the office of the insurance company.

• The limit of payments for the life and health of victims is increased from 160,000 to 500,000 rubles.
• The procedure for confirming the fact of causing harm to health in an accident and the procedure for receiving payment under OSAGO is simplified.

• Raising the base tariff by 40% and expanding the tariff corridor to 20 percentage points, thus increasing by 40-60%.
• Change of territorial coefficients both up and down.

  Coefficients increased: Adygea, Murmansk Region, Amur Region, Republic of Mari El, Voronezh Region, Ulyanovsk Region, Kamchatka Territory, Chelyabinsk Region, Kurgan Region, Chuvashia, Mordovia

  Coefficients reduced: Leningrad Region, Baikonur, Magadan Region, Dagestan, Republic of Sakha (Yakutia), Jewish Autonomous Region, Republic of Tuva, Trans-Baikal Territory, Chechen Republic, Ingushetia, Chukotka Autonomous Region

On October 11, 2014, a resolution of the Government of the Russian Federation was adopted, regulating the new procedure for calculating the OSAGO policy.
Here are the main innovations:

• The emergence of a tariff corridor that allows insurers to deviate from the base tariff within certain limits. Thus, the cost of the policy in different insurance companies can now vary within a small range.
• Raising base rates for all types of vehicles by 25-30%.
• Increase in payments under the OSAGO policy from 120,000 to 400,000 rubles
• There is an opportunity to send the car for repairs under the OSAGO policy
• Expansion of the Europrotocol up to 50,000 rubles

Insurance coefficients

CT is the territory factor. Determined by the region of registration of the vehicle.

To view the coefficients of the region you are interested in, select it from the list:

Choose region --- 1 - Republic of Adygea 2 - Republic of Bashkortostan 3 - Republic of Buryatia 4 - Republic of Altai 5 - Republic of Dagestan 6 - Republic of Ingushetia 7 - Kabardino-Balkarian Republic 8 - Republic of Kalmykia 9 - Karachay-Cherkess Republic 10 - Republic of Karelia 11 - Republic of Komi 12 - Republic of Mari El 13 - Republic of Mordovia 14 - Republic of Sakha (Yakutia) 15 - Republic of North Ossetia-Alania 16 - Republic of Tatarstan 17 - Republic of Tuva 18 - Udmurt Republic 19 - Republic of Khakassia 20 - Chechen Republic 21 - Chuvash Republic 22- Altai region 23 - Krasnodar Territory 24 - Krasnoyarsk Territory 25 - Primorsky Territory 26 - Stavropol Territory 27 - Khabarovsk Territory 28 - Amur Region 29 - Arkhangelsk Region 30 - Astrakhan Region 31 - Belgorod Region 32 - Bryansk Region 33 - Vladimir Region 34 - Volgograd Region 35 - Vologda region 36 - Voronezh region 37 - Ivanovo region 38 - Irkutsk region 39 - Kaliningrad region 40 - Kaluga region 41 - Kamchatka region 42 - Kemerovo region 43 - Kirov region 44 - Kostroma region 45 - Kurgan region 46 - Kursk region 47 - Leningrad region 48 - Lipetsk region 49 - Magadan region 50 - Moscow region 51 - Murmansk region 52 - Nizhny Novgorod region 53 - Novgorod region 54 - Novosibirsk region 55 - Omsk region 56 - Orenburg region 57 - Oryol Region 58 - Penza region 59 - Perm region 60 - Pskov region 61 - Rostov region 62 - Ryazan region 63 - Samara region 64 - Saratov region 65 - Sakhalin region 66 - Sverdlovsk region 67 - Smolensk region 68 - Tambov region 69 - Tver region 70 - Tomsk region 71 - Tula region 72 - Tyumen region 73 - Ulyanovsk region 74 - Chelyabinsk region 75 - Trans-Baikal region 76 - Yaroslavl region 77 - Moscow 78 - St. Petersburg 79 - Jewish Autonomous region 83 - Nenets Autonomous Okrug 86 - Khanty-Mansi Autonomous Okrug - Yugra 87 - Chukotka Autonomous Okrug 89 - Yamalo-Nenets Autonomous Okrug 91 - Republic of Crimea 92 - Sevastopol 100 - Baikonur

Region	Coefficient

KM- power factor of the vehicle.

Applies to cars only. For other types of vehicles, it is equal to one.

The power according to the vehicle passport or registration certificate is taken into account. If the power is indicated in the document in kilowatts, it must be converted to horsepower according to the formula 1 kW = 1.35962 HP.

FAC- coefficient of age and experience. Applies only to a policy with a limited number of drivers. For multiple drivers, the FAC is defined as the maximum of all.

For an unlimited number of drivers, this coefficient does not apply. Instead, an unrestricted QoS usage factor is applied.

Experience → Age, years ↓	less than 1 year	1 year	2 years	3-4 years	5-6 years	7-9 years old	10-14 years old	over 14 years
16-21	1.87	1.87	1.87	1.66	1.66
22-24	1.77	1.77	1.77	1.04	1.04	1.04
25-29	1.77	1.69	1.63	1.04	1.04	1.04	1.01
30-34	1.63	1.63	1.63	1.04	1.04	1.01	0.96	0.96
35-39	1.63	1.63	1.63	0.99	0.96	0.96	0.96	0.96
40-49	1.63	1.63	1.63	0.96	0.96	0.96	0.96	0.96
50-59	1.63	1.63	1.63	0.96	0.96	0.96	0.96	0.96
60 years and older	1.6	1.6	1.6	0.93	0.93	0.93	0.93	0.93

KO- coefficient of limited use.

If specific drivers who will drive the vehicle are registered in the policy, then KO = 1. If drivers are not entered, then the insurance will cover the liability of any person driving the vehicle. In this case, you will have to pay almost twice as much for insurance, KO = 1.87

KS- coefficient of seasonality of use. If the insurance is issued for less than a full year, a reduction factor is applied.

KPR- trailer coefficient.

It is not required to insure a trailer for a passenger car (except in situations where the insured is a legal entity). But for a trailer to a motorcycle you have to pay extra.

KN- coefficient of violations. It is applied in the event that under the previous OSAGO agreement there are violations provided for in paragraph 3 of Article No. 9 federal law about OSAGO.

KBM is the bonus-malus coefficient. This is a coefficient that reduces or increases the cost of the policy, depending on the accident rate in the previous insurance period. Insurance companies use AIS RSA information to apply this coefficient when concluding an OSAGO agreement with an insured. AIS is single base data, to which all insurance companies transmit information, so the bonus-malus coefficient will be valid for the policyholder when contacting any insurance company. The CBM calculation table is presented below.

The procedure for applying the coefficient "bonus-malus"

There are 13 classes, each of which corresponds to a certain coefficient (KBM). They are shown in the table below.

Those who are insured for the first time are assigned class 3. It corresponds to the CBM coefficient = 1. For the rest, the class is assigned at the end of the insurance period.

The new class depends on the previous class (at the beginning of the insurance period) and on the number of insured events. You need to find in the table a row with your class at the beginning of the last period and a column corresponding to the number of accidents due to your fault for the past period. At their intersection, your new class will be indicated.

With accident-free driving, your class will increase by 1 every year, which gives an annual increase in the discount of 5%. The maximum class includes a 50% discount.

Let's look at an example. Let's say you insured for the first time and received class 3. During the year you had 2 insured events. We find a line with class 3 and a column corresponding to two insurance payments. At the intersection is the class M. Find the line with the class M and the column "Coefficient". For class M, the coefficient is 2.45 (shown in the table).

Class at the beginning of the annual insurance period	Coefficient	Class at the end of the annual insurance period, taking into account the presence of insured events that occurred during the period of validity of previous compulsory insurance contracts
		0 insurance payments	1 insurance payment	2 insurance payments	3 insurance payments	4 or more insurance payments
M	2,45	0	M	M	M	M
0	2,3	1	M	M	M	M
1	1,55	2	M	M	M	M
2	1,4	3	1	M	M	M
3	1	4	1	M	M	M
4	0,95	5	2	1	M	M
5	0,9	6	3	1	M	M
6	0,85	7	4	2	M	M
7	0,8	8	4	2	M	M
8	0,75	9	5	2	M	M
9	0,7	10	5	2	1	M
10	0,65	11	6	3	1	M
11	0,6	12	6	3	1	M
12	0,55	13	6	3	1	M
13	0,5	13	7	3	1	M

How useful is the OSAGO calculator?

The calculation of OSAGO on the calculator allows you to find out the cost of the policy before contacting the insurance company. Knowing the exact cost of the policy in advance, you will protect yourself from the imposition of hidden additional insurance.

Ingosstrakh is a large Insurance Company Russian market. The insurer operates in different segments, consistently being among the top three in terms of total premium collection. It is not surprising that the organization is engaged in sales of OSAGO. Ingosstrakh in 2020 is ready, as before, to insure spacecraft launches, accept multibillion-dollar risks on property complexes and win major insurance tenders. It is hardly worth doubting the reliability of this organization from a financial point of view.

At the same time, even in the work of large companies there are shortcomings. When applying for a “car citizen”, you should pay attention to a combination of factors that allow you to draw conclusions about the quality of the service offered. What can you count on when making a decision on insurance in Ingosstrakh for OSAGO?

OSAGO cost in Ingosstrakh

The question of price in this case is relevant for many. As you know, companies have the right to regulate the base rates of "autocitizenship" within the framework of the "tariff corridor" established by the Central Bank. At the same time, tariffs may differ depending on the place of registration of the owner of the car. OSAGO rates in Ingosstrakh in 2020 in most settlements are set at the maximum level. But OSAGO policies for cars of individuals at a base rate below 4,942 rubles can still be purchased in some cities and towns, more often small ones that are not regional centers.

The minimum possible basic rate in the amount of 2,746 rubles in the company is not applied at all in the case of insurance of private cars.

It is clear that for residents of those regions where non-maximum tariffs are set, the purchase of OSAGO insurance in Ingosstrakh can be financially beneficial. When most companies offer “autocitizenship” at maximum prices, any reduction in rates is interesting to car enthusiasts, especially if other insurers in their locality sell OSAGO at the maximum base rate.

Online tools of Ingosstrakh for OSAGO

The official website of the insurer offers customers a variety of electronic services. Their use often saves time and makes communication with the company more comfortable. In particular, the following tools are available to clients here:

• checking the status of the settlement of losses;
• online consultation;
• the ability to communicate via Skype;
• checking the availability of information about the issued policy in the electronic database of the company;
• Personal Area;
• OSAGO Ingosstrakh calculator.

With regard to the latter, it should be noted that the autocitizen calculator is combined with the service of buying a policy via the Internet. That is, the user can immediately start issuing a policy if the price suits him. The calculation can be carried out taking into account the accident-free discount (KBM), and the policy is delivered to the desired address. In case of technical failures on the Ingosstrakh website, you can always use the calculators of other sites that have the same functionality.

Additional services of the Ingosstrakh website for OSAGO

In addition to online OSAGO tools, Ingosstrakh offers users a block of useful information for various situations. So, on the website, customers can find application forms for termination of the contract:

• due to change of ownership;
• due to the loss or complete destruction of the vehicle;
• due to the death of the insured (owner) or the liquidation of the legal entity.

There are instructions for terminating the contract. Lists of documents for obtaining insurance are given, as well as a memo that helps to avoid fakes when buying a "car citizen".

It is possible to get a brief explanation of the basic principles of compulsory auto insurance. And a visual reminder of the changes in the “car citizen” in 2019-2020 should help you deal with the latest innovations. Thus, answers to many questions can be obtained without calling the call center or visiting the office.

Availability of departments

As we have already found out, at the moment you can buy OSAGO Ingosstrakh in electronic form. It is useful to understand how comfortable it will be to contact the company in person. Nevertheless, it is unlikely that it will be possible to solve all the issues in the "autocitizen" remotely. At the same time, the location of the nearest office hundreds of kilometers away will be a very unpleasant surprise.

The company positions the presence of its divisions in almost all major cities of Russia. The claimed geographic coverage may well be true. Some offices are closed, but Ingosstrakh periodically announces the opening of new divisions on its website.

At the same time, among the customer reviews there is information about the relocation of some representative offices of the company from city centers to areas located closer to the outskirts. And sometimes offices change their location in the regions to smaller settlements. Such steps may be related to the general economic situation in the financial sector. But in any case, it cannot be said that these phenomena are of a mass nature.

Is it possible to insure motor third party liability in Ingosstrakh?

It is hardly possible to unequivocally answer this question based on payments in case of road traffic accidents (RTA). In this regard, there are enough both dissatisfied and satisfied with the work of the company. But, perhaps, certain conclusions about the attitude of the insurer to CMTPL customers can be drawn based on information of a different kind. As already noted, motorists may encounter some disadvantages, among them:

• Attempts to contact a consultant on Skype may not be successful. Despite the status of an online interlocutor, in some cases, customer questions remain without any answer or other reaction.
• The location of the company's offices is not always convenient.
• Application of high base rates for many major cities.

At the same time, many Ingosstrakh clients prefer to renew their "car citizenship" in the same organization. Be that as it may, the advantages of the company fully compensate for local service shortcomings. We talked about many of the benefits above. In addition, on insurance Internet sites, the insurer demonstrates its readiness to respond to the problems of motorists and solve them.

Ingosstrakh seems to be quite worthy of being entrusted with its auto-civil liability. It is clear that the final choice will always depend on the availability of more interesting price offers, the remoteness of offices and other factors. But if, based on a specific situation, there is a convenient opportunity to buy OSAGO in this company, it is worth considering.

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All aspects of the "autocitizen" OSAGO are strictly controlled government agencies. The calculation is based on a value called the base rate or OSAGO tariff. These tariffs and rates are set by the state at the legislative level, so no company will be able to reduce or increase the cost of insurance. Any discount when purchasing an OSAGO policy is legally impossible. Such control is necessary to maintain the affordability of insurance and to guarantee payments in the event of an accident.

What does the concept of "base rate" mean?

The basic OSAGO rate is a fixed amount specified by law for each type of vehicle involved in road traffic. Car owners use the same base rate regardless of the region of residence and regardless of the car brand and driving experience. This base rate is the same for all car owners.

But there is still some influence on the basic OSAGO rate. It depends on the type of vehicle. So, the OSAGO tariff for a passenger car will be very different from that for trucks. To determine the rate, look at the ratio of insurance payments and premiums. The base rate should be such that when selling policies, firms receive an amount in excess of insurance payments.

Base rate changes

Previously, the base rate was a fixed amount for any company. In the autumn of 2014, a tariff increase was required, as car insurance became unprofitable due to the long-term unchanged base rate. Then the rate was raised again in April 2015 by as much as 40%, returning profitability to auto insurance, but not for customers, but from insurance companies.

The base rate, set back in 2003, did not change for almost 11 years, until 2014.

Now the base rate is no longer a constant, fixed value, but a kind of price corridor that allows insurers to change the price of OSAGO policies in order to attract customers with discounted offers. Therefore, today it may happen that different insurance companies can calculate different amounts for auto insurance.

Typically, companies that exist on insurance market for a long time, they will not significantly lower the price, but one-day firms can use the minimum basic OSAGO tariff to attract more car owners. But with a company like this, you can make a big mistake. Therefore, the choice should be as accurate as possible.

How to find the base rate

You can determine the basic tariff of an auto citizen according to the following table:

	Type and purpose of the vehicle	Basic insurance rate
		Minimum bet value	Maximum bet value
1	Motorcycles, mopeds and other vehicles of category "A" and "M"	867 rubles	1579 rubles
2	Vehicles of category "B", "BE"
2.1	For legal entities	2573	3087
2.2	IP and individuals	3432	4118
2.3	Applicable in taxi	5138	6166
3	Vehicles of category "C" and "CE"
3.1	Maximum weight up to 16 tons	3509	4211
3.2	Maximum weight over 16 tons	5284	6341
4	Vehicles of categories "D" and "DE"
4.1	Number of seats for passengers up to 16 inclusive	2808	3370
4.2	Number of passenger seats more than 16	3509	4211
4.3	If the vehicle is used for regular transportation with boarding / disembarking of passengers on regular transportation routes or in places not prohibited by traffic rules	5138	6166
5	Trolleybuses	2808	3370
6	Tram	1751	2101
7	Tractors, construction self-propelled vehicles	1124	1579

The base rate is the basis of the OSAGO cost, but the final amount will depend on many factors:

1. Engine power of the insured car;
2. Vehicle category;
3. The region in which the car was registered and its operation is expected;
4. The age of the car owner and his driving experience;
5. The term for which the insurance is drawn up;
6. Will a trailer be used with the vehicle;
7. Other factors.

With a high driving experience and the absence of an accident on insurance, you can decently save money. It also significantly reduces the cost of an OSAGO policy by refusing additional options that insurance companies stubbornly impose on their customers. A fairly common situation is when customers are literally forced to take out a DSAGO policy or additional motor third party liability insurance.

Unfortunately, OSAGO is a mandatory measure, if the car owner neglects this requirement, then he is subject to administrative punishment. Therefore, you still have to insure motor vehicles, and which company is better to contact is a matter exclusively for the car owner.