How to find the cheapest car insurance in 2021?

Whether you have leased the car, with the money down or through a bank loan, the next step you need to take is to get a car insurance that will allow you to drive on public roads. In order to have a great CASCO or compulsory car insurance at the best possible price, you need to consult several offers until you decide who to sign with.

If you are here, it means that you want to know how to buy cheap car insurance. Probably the easiest way to find the best deals for you and your new car is by consulting an RCA computer .

Continue reading this article and you will find out why you should take out car insurance, how you can find the cheapest CASCO and why it is good to always consult an RCA computer before buying compulsory car insurance. Here are the topics covered in this article:

What is an RCA?
Why is it necessary to take out car insurance?
How to find cheap car insurance and what are the differences in damages covered between a CASCO and an RCA policy?
What is an RCA computer and why is it good to use it?

What is an RCA?

When you buy your first car, you must immediately take into account the fact that you must also take out a motor third party liability insurance, ie an RCA. RCA is the type of car insurance that compensates a third party involved in a car accident caused by you, but which is compulsorily required by the state. In other words, without an RCA you cannot drive on public roads.

The RCA may compensate the other and not cover as much damage as a CASCO, but the lack of an RCA car insurance policy has a pretty serious impact on a driver involved in an accident or a driver caught by law enforcement. without RCA. In short, without a compulsory car insurance you risk the withdrawal of the registration plates, the retention of the registration certificate of the vehicle and fines with amounts between 1,000 and 2,000 lei. So why take the risk?

Why is it necessary to take out car insurance?

The most obvious answer, mentioned in the previous point is this – why risk a fine when you can know yourself safely with a car insurance? In addition to the fact that a car insurance exempts you from paying out of your own pocket for damages caused to a third party in a car accident caused by you, a car insurance is always welcome.

However, the real reason why it is absolutely necessary to take out any type of car insurance, whether we are talking about CASCO or RCA is the following: in this way you guarantee the safety of your own property – in case of a CASCO or your money in case of an RCA, if cause a car accident.

How to find cheap car insurance?

Before buying a compulsory or optional car insurance, ie a CASCO, you must do a market study in order to decide which insurance company to choose. Each insurer comes with its own offers and, most of the time, you happen to notice considerable differences between the car insurance offers.

The rates of a car insurance policy are not predetermined. These vary depending on the identification data of the driver, but also of the car. Also, if you are on the first car insurance, the price of the RCA or a CASCO may be higher than that of another person who has been taking out car insurance for some time. On the other hand, the price offer of a car insurance policy may increase or decrease depending on the level of Bonus-Malus in which you fall.

For this reason, an RCA computer will help you find the most advantageous offer for your needs. All you have to do is enter the following identification data into the system of an RCA computer and you will instantly receive all possible offers for you and the car.

What are the differences in damages covered between a CASCO and a compulsory car insurance policy?
A compulsory car insurance policy covers

personal injury or death of third parties involved in the accident
material damage
damage resulting from the failure to use the damaged vehicle
costs incurred by the injured party

An optional car insurance policy, ie a CASCO, covers

skidding, collisions, scratches, overturning, falls into the abyss, foreign bodies falling on the vehicle or the car falling into the water
acts of vandalism or other malicious acts of third parties
avalanches, hail, earthquakes, landslides
theft - partial or total - and attempted theft

What is an RCA computer and why is it good to use it?

An RCA computer is an online platform, where you can easily and quickly find out what car insurance offers are available based on your personal information about you and the car you want to insure. An RCA computer helps you compare and discover the lowest prices and the most advantageous car insurance offers you can get for the type of car you drive.

The criteria on the basis of which an RCA computer works are as simple as possible – fill in the personal data and those of the vehicle you want to provide in the fields of an online form, and after these steps you wait for the results. You will receive them in just a few seconds if you access the offer from!

And yet, what data do you need to enter?

Basically driver and car data. These data are: type of natural person or person, type of vehicle (cars, transport vehicle, road tractors, vans, trailers or semi-trailers), cylinder capacity (up to 1200 cc, over 2000 cc and others), and depending on they can provide a quick, estimated result.

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