The cost of seasonal auto insurances.

Seasonal price of an insurance policy - this is the same "stumbling block", which makes the insurance of this kind is not particularly attractive. Sure would like to see an insurance policy for six months was worth half the price of annual and three months - respectively, a quarter of the price and so on. However, the seasonal pricing of insurance can not be arithmetically in proportion to annual. Primarily because the insurance company present a one-time charges for each insurance policy, regardless of its validity (of the form, processing contracts Intelligence Unit, the introduction of data into a computer database, the payment of a cashier takes money ... the list is not small).Secondly, the insurance company does not forget about the possible increased risk (eg a person who goes only in summer, during the winter lose their driving skills, which increases the likelihood of an accident). Thus, it turns out that the policy Hull for three months (summer) will cost 4 times cheaper, and approximately 50% of the annual insurance. And the price OSAGO for six months - it's not 50 but 70% of the annual policy.