CASERTA – Insuring your car in Naples costs three times as much as in Trieste. Broadening the analysis of average prices to all the Italian provinces, we read in the data from Facile.it, there are however other areas of Italy with average prices that are close to those of Naples. For example a Casertawhere the One thousand Euro (1,014.15) or in Prato, where an average rate of RC car reaches 824.48 euros.
The difference between North and South
The enormous price difference between Naples, or in any case the provinces with the highest costs, and cases like Trieste, explains the Managing Director Insurance of Facile.it Andrea Ghizzoni to Adnkronos, lies in the fact that the composition of the tariff “depends on various elements, different from each other, but which all affect the composition. In addition to the subjective characteristics of the motorist” such as age, class of merit, insurance history and so on “there are third objective elements which have an impact on the drivers. prices. One of the most important, for example, is the accident rate of a specific area, i.e. the number of accidents and the risk of accidents detected in the specific area. The more frequent they are – indicates Ghizzoni – the higher the premium requested by the insurance company And even the average cost of compensation for accidents, calculated on a territorial basis, has an important weight in determining the tariff offered to the motorist” because it should not be forgotten that the companies have the obligation to ensure that the premiums collected cover the total refunds, otherwise the system would collapse.” Furthermore, the manager explains, “there is the factor of the number of scams, or attempted scams, against the companies themselves. In areas where these phenomena are more widespread, the higher the cost of the policy will be.
The other factors
Other factors that can affect prices are, for example, the average age of vehicles in circulation. Finally, there are the commercial policies of each company, which can choose to apply different rates depending on its sales strategies. All these elements, subjective and third, contribute to determining the territorial differences in prices”. As for the future of prices, Ghizzoni finally explains, after the “continuous increase in the car insurance premium last year” and with “the inflation that in our country still remains at high levels”, in recent months “there have been positive signs with slightly decreasing values, but it is still early to say whether” this decrease could be “a stable trend, a sign that the increases in 2023 have completely absorbed the effects of the new economic context, or of a temporary variation within an upward trend”, he concludes.
