By now we are all able to move easily between the various offers for car insurance made available by the various companies, almost always saving many hundreds of euros compared to a few years ago. There are, however, cases in which it is good to pay even more attention, such as insurance for a car that has not yet been purchased: below, here’s how.
Insurance for cars still without a license plate
The purchase of a new car is a delicate operation, which must be done taking into account all the costs involved: in addition to those related to the purchase, those for maintenance, original spare parts – obviously more expensive, must also be taken into consideration. If the car is a luxury brand – and last but not least, the stamp and auto insurance.
According to Generalinsurance.com, Requesting a quote for insurance for a car not yet purchased is always an excellent idea, and helps make a more informed choice. But to get the quote, it is normally necessary to have a license plate number, which, however, for a car that has not yet been purchased obviously does not exist. So how do you do it?
How to use the comparator
First of all, it must be said that in the absence of the license plate, obtaining an “official” and accurate quote to the cent, which is valid as an insurance company commitment, is impossible. However, not all is lost: you can still have a fairly precise estimate of how much you will spend.
The most powerful comparators allow you to indicate the data of the car – the brand, the model, the engine capacity – even if you have not yet purchased it, expressly indicating that you do not yet have a license plate.
Of course, the estimates thus obtained will be indicative, even if rather close to the actual value. They cannot usually be locked since, without the vehicle’s license plate, it is impossible to uniquely identify the car or the way you want to insure it.
The estimate based on market rates still allows you to orient yourself and to know right away if the expense that you will face in the event of a purchase will be too high (and if it will, therefore, be appropriate to opt for another car model or for a different payment system, such as insurance with semi-annual or monthly payment and the like).
What is the license plate of the car
But why is the license plate so important to obtain an accurate quote and, above all, to be able to get the lowest price among those found in the various online suppliers? This data is important because it identifies a specific car and its owner without error, as registered with the PRA or Public Automobile Register.
The databases that can be accessed by the police force, the ACI, the Ministry of Infrastructure and also the insurance companies include all the data relating to the car, even those that the driver may forget or not remember correctly: the type of vehicle and the model, the precise power expressed in horses, the type of power (petrol, diesel, methane, hybrid, electric and so on).
In short, for insurance, the plate is a guarantee that allows you not to carry out further research to ensure the correctness of the information provided.
What does auto insurance include?
Car insurance primarily includes the damage caused to third parties when driving your vehicle: driving without insurance exposes heavy penalties, with a fine that, in case of recidivism, can reach up to 5000usd and the suspension of the license from one to two months.
But this is not the only risk: when an accident occurs without having adequate insurance coverage, the injured party is compensated through the Victims of the Road Fund, which is fed with a small percentage of the insurance premiums paid annually.
Afterward, however, the same Fund will be able to retaliate on who caused the accident, that without having the insurance, it will, therefore, be obliged to pay both damages to the vehicle and to the people from his own pocket.
For those who want to save on car insurance, in addition to using the comparator to evaluate all the currently most convenient offers on the market, the solution is to choose an alternative method of calculating the premium, as happens with kilometer or temporary insurance (half-yearly, bi-monthly, monthly and even weekly to daily).
When should I pay for car insurance?
The answer, as often happens, is: it depends. It depends on when the car insurance was taken out; it depends on how and with what timing it was agreed and so on. However, this is a date to keep in mind, because, as is well known, traveling without insurance is a serious offense and can cost dearly in terms of fines and penalties.
Fortunately, however, this is a deadline to be marked certainly on the calendar, even if the insurance company will remind the insured that the policy must be renewed. Normally, already sometime before it expires, alerts start to arrive via email, via SMS, via traditional mail. With this premise, let’s see exactly when you need to pay for car insurance and when and how you have to renew it.
Paying car insurance: there is always a first time.
Whether new or used, the car – like any other vehicle – must have an insurance policy before being put on the road – the RCA is sufficient – to cover it. Therefore, before collecting your car, you must go to a company and sign the chosen policy.
There are some variables to consider: only compulsory insurance or even fire and theft? And for how long? Insurances, in fact, normally have an annual duration. But there are some cases in which it may be worth taking out a policy for a shorter time, that is, six months.
The renewal of car insurance
Once you have taken out insurance for the first time, it goes smoothly: annually (or periodically in the case of half-yearly), the policy will be renewed, and the insurance company will send the renewal alert.
In the event that you change your car, and you decide to proceed with the same insurance, there are no big problems: the policy will be transferred to the new vehicle, and will be adapted to new needs. Of course, if it is a new car, it is very likely that the insurance premium will go up because it is calculated according to the value of the vehicle.
