What Affects Your Kasko Price — and How to Lower It
Why does the price differ from insurer to insurer for the same car? We list the factors and realistic ways to save.
Updated: 2026-08-09 · 5 min read
A kasko premium is not a fixed price; it's an offer each insurer calculates with its own method based on many variables. That's why very different prices can come from different insurers for the same car. Here are the main factors and realistic ways to save.
Factors that determine the kasko price
- Make, model and age of the car: the car's market value is the basis of the premium.
- No-claims discount: each claim-free year gradually lowers the premium.
- Driver's age and profile: some insurers reflect driving history in the price.
- Usage and region: the province and purpose of use affect the risk.
- Chosen coverage and deductible: add-ons raise the premium; a deductible (your share) lowers it.
Realistic ways to make kasko cheaper
The healthiest way to lower the premium is not to cut coverage, but to compare and choose the right package:
- Get quotes from several insurers and compare — the gap is often surprising.
- Protect your no-claims discount; sometimes covering small damages yourself preserves it.
- Remove add-ons you don't need, keep the ones you truly do.
- Consider packages with a deductible: take on small damages to lower the premium.
- Bundle policies (kasko + traffic + home) — a package advantage may appear.
Doing this comparison one by one takes time. As Seferihisar Sigorta we compare kasko packages from 30+ insurers for you and find the best premium without compromising coverage.
Frequently Asked Questions
What is a no-claims discount?
A premium discount that increases step by step for each year you go without a claim. Reporting a claim can lower this step.
What does a kasko with a deductible mean?
A package where you cover your own share up to a certain amount on small damages; in return the premium is lower.
Is the cheapest kasko always the best?
No. What matters is the balance between coverage and price. We recommend the best offer considering coverage too.