How to save money with car insurance online

The "auto insurance is certainly one of the keys more painful in times of crisis, insurance companies continue to increase the policy and you often find yourself in trouble, you have to shell out really high numbers to ensure their vehicle. However, there are several ways to save on car insurance up to a few hundred euro, the range of savings is in fact between 50 and 200 Euros. The best way forward is to look for car insurance online or by phone, you can just put in any search engine, "car insurance on line" and thousands of links may be consulted.

In recent times the cost of car insurance has increased dramatically across the board, especially for the most disadvantaged classes of merit and for policyholders of Southern Italy. But you can save, just follow the simple tips given in this article.

The Class of Merit and the Bersani Decree

The insurance companies demand in the formula bonus-malus system, the so-called class of merit.

It 'a mechanism that is intended to reward the best drivers, which cause less accidents: a total of 18 classes, where the first is the cheapest and the most expensive in the eighteenth.

Each new part secured by the class 14, and every year without incident, is rewarded with the decrease of a class (bonus), while for each accident is increased by two classes (malus).

The price of insurance has risen and still rises inexorably. In addition, according to a recent study, the majority of motorists could save up to 500 € if confrontasse and evaluated their needs well.

This is a guide that allows to save on car insurance by following 5 simple tips:

1. Always compare. There are many sites dedicated to the subject, which allow you to compare many insurance companies in order to find the cheapest insurance policy that meets all your needs;

2. Do not underestimate the deals online. In fact, very often on the internet you can buy insurance policies can save up to 70%. So do not just take out the insurance policy with the company of trust, take a short online comparison does not cost anything!;

Changing insurance companies

Changing insurance company is not at all complicated, just follow a few rules. To change the insurance company is first of all necessary to cancel the policy you currently hold in your checking if the contract is expected to tacit renewal, as is normally the case for insurance companies that operate through traditional agencies in the area, it is necessary to renew or explicitly the policy to its expiration, as happens in most cases in the direct insurance companies online or telephone based on the provisions of the Bersani Decree. In the former case, as regards the liability auto insurance policies, the notice must be sent to the company at least 15 days before the annual deadline through a registered letter with acknowledgment of receipt (as far as the date is the postmark on the day of submission) or, alternatively via fax .. In the event that the insurance company will apply at the time of renewal of the policy, an increase in the cost of the premium higher than the rate of inflation (which this year amounts to 1, 5%), the terms of the notice change. The cancellation will be made on the last day of validity of the policy and sent by registered mail with return receipt, fax or hand delivered to the agency by the insurance company when the policy was taken out in accordance with Article no. 172 of the Code of Private Insurance. 

How to check if an insurance company is licensed to operate in the Italian territory. The Institute for the Supervision of Private Insurance and Collective is the body responsible for granting authorizations to operate on the Italian territory. The lists of insurance companies are published Isvap in order to give publicity to insurance companies authorized by the users and intermediary agencies. The list can also be viewed online at www.isvap.it. The moment Isvap establish the presence of an insurance company operating in Italy but without regular certification, discloses a press release to alert users.

The policies taken out with an insurance company is not enabled are not valid

One practice, called phenomenon of cross-border leasing, which is spreading rather quickly in Italy is that of access to machines for home or corporate use bearing German license plates. Thanks to this device, which uses a series of "holes" normative and is completely legal, you manage to overcome a number of costs and obligations that instead involve vehicles registered in Italy.

In fact, being in possession of a car with German license plates offers five advantages that result in a significant reduction of costs. The first concerns the avoidance of superbollo. In fact, this tax included in the decree Save Italy which provides a stamp much more expensive car with power above 175 kW, is not applicable for cars registered in other countries.

A mortgage loan is a medium-to long-term loan granted by a set of credit or a bank, which requires, as a guarantee of the loan, mortgages on the property object acquisition or improvement. For this reason, this type of loan is called mortgage.

The mortgage must be a first degree, that is not preceded by registration or registration of title or liens (including tax). In case of a supplementary loan, the mortgage will be the second degree.

The loan may be assisted by other guarantees agreed between the bank and the customer, such as the guarantee of a third party, the sale of the rent of the mortgaged property.

Save Electricity

The electricity bill is getting too expensive? The new year has brought with it further increases? You can save, let us see how.

It 's simple advise saving light bulbs, as well as electrical appliances in Class A +.

Yeah, but if I have to spend considerable sums to change all the light bulbs and home appliances, then save (if all goes well ...) one hundred euro a year ... it's worth it?

"Unplug your mobile phone charger when not in use! »

"Do not leave your TV in standby! »

Temporary Car Insurance

Do you use the car for short periods? Walk a few miles? The temporary car insurance can be a viable option that can save you up to 50% compared to a traditional policy of annual duration.

What's this?

E 'a particular formula recently introduced, which is characterized by offering a tailored cover, which operates only in the brief periods of actual use of the car.

In this way the company is exposed to significantly less risk, and may thus offer attractive rates.

Not all companies offer this type of solution, although lately the number of jobs is increasing.

The proposed formulas are the most diverse, but are divided into three main categories:

To defend his reserves without running the risk of particular investments, the product preferred by Italian remains the deposit account, despite the mini sheet that hit too and despite yields have fallen since last year.

Yet still manage to achieve in some cases even 4%, and more if you choose to constrain the amount to be invested for a long period, such as 12 months. Many Italians prefer to take refuge in a deposit account because they make more of a traditional account and involve less risk of another type of financial investment.

According to a survey that analyzed the budgets of various deposit accounts, in times of crisis Italians are ready to secure an average of € 19,000, leaving them tied up for 15 months.