Even the cheapest third-party liability and comprehensive insurance has become significantly more expensive compared with previous years. For many drivers, such increases came as quite a surprise—instead of paying PLN 400 as before, they had to pay as much as PLN 1,000. It is therefore no wonder that car owners are still looking for ways to save even PLN 100–200.
Third-party liability and comprehensive insurance as a package
A good way to reduce motor insurance costs is to purchase a policy package. This can save as much as several hundred zlotys compared with buying third-party liability and comprehensive insurance from two different insurers.
Insurance purchased online
Some insurance companies reward customers with an additional discount when a policy is purchased online.
Example. By choosing an online offer from Link4, the policyholder receives an additional 7% discount.
Insuring several vehicles
If you want to insure several cars, it is worth contacting the same insurer. In many cases, you can negotiate additional discounts.
Example. Insuring a second vehicle with AXA Direct can reduce the premium by an additional 5%.
Paying the premium in full
Many drivers choose to pay the premium in two or more installments. This reduces the one-time payment, but increases the total amount payable at the same time. Therefore, if you want to save on third-party liability and comprehensive insurance, it is worth paying the premium in full—immediately after signing the agreement.
Purchasing insurance as a co-owner
Insurers combine surcharges and discounts when a car has more than one owner. Therefore, to reduce the premium, it is worth considering making someone with the maximum available discount level a co-owner of the vehicle.
This solution is particularly beneficial for young drivers, who usually start out with age- and inexperience-related surcharges.
Always compare insurance policies
Whether you are looking for a good third-party liability insurance offer or the cheapest comprehensive insurance, always compare the available options. Strong competition between insurance companies means that some insurers can offer policies on much more attractive terms.
If you compare third-party liability insurance on Rankomat, you can save as much as several hundred zlotys. It is a reliable online comparison service that lets you access only the cheapest offers from insurance companies. The same applies to comprehensive insurance—if you carry out an analysis, you will find an affordable offer that also takes into account your needs and expectations as a vehicle owner.