How to calculate insurance insurance?

The calculation of the insurance rate includes several important parameters: it is a basic tariff rate, and the power of the motor car, and the number of drivers admitted to management (including their age and seniority), and the location of the owner, and even the presence or absence of payoff. Let us examine each item in detail. The basic insurance amount of the tariff rate depends on the characteristics of the vehicle, its purpose and the likelihood of getting into an accident. For example, for motorcycles it is 1,215 rubles., for owners of passenger car with a license category "B" - 1980 rubles. (assuming that the driver - a natural person) for legal persons - 2375 rubles. and for machines that are used as taxis - 2,965 rubles. Coefficient of territory by law each city, depending of its size assigned a coefficient (Km). For Moscow, it is 2, in St. Petersburg, the rate was 1.8, in the Moscow region - 1,7, in other major cities of -1.3 in the middle - 1, and the youngest - and at 0,85. Engine power here is pretty simple: the greater the power, the higher the ratio, respectively, we get: Up to 50 inclusive - 0,6; over 50 to 70 inclusive - 0,9; over 70 to 100 inclusive - 1 over 100 to 120 inclusive, -1.2, and more than 120 to 150 inclusive - 1,4; over 150 - 1,6. The number of drivers is another important component in calculating insurance OSAGO is the number of drivers (RB), which can operate the machine. For example, if this list is limited to a few individuals or one person, the ratio was 1.0 in the case of the absence of restrictions, it will be equal to 1,7. Age and years older driver and more of his seniority, the lower the ratio. If age of the car owner more than 22 years, and experience above 3 years old, the coefficient is equal to 1,0. If the driver is younger than 20 years, and the driving experience does not hold up to 3 years - 1,7. payoff This ratio (also known as well as the bonus-malus "MSC") is aimed at encouraging those drivers who drive carefully and, conversely, the tightening of conditions for those who often becomes a party to the accident. As a result, the first year of driving a person is assigned to the coefficient of 1.0, then everything depends on how careful a driver on the road it will be. Maximum class to which you can get - the 13th, which corresponds to a coefficient of 0.5 and simultaneously increases the size of discounts on insurance. Coefficient of violations, if any applicable ratio equal to 1, 5. And finally, in the final stage, in order to calculate the final amount, you should multiply all the coefficients obtained with each other, ie, we get: OSAGO = TB - CT - RB - BS - km - MSC