The average premium in Italy rises to 629.24 euros (+1.51% in six months). Here is Facile.it’s guide to reducing costs, understanding limits and deductibles and avoiding false savings that can cost a lot
Insuring your car costs more and more. In December 2025 the average Motor TPL premium in Italy reached 629.24 eurosup 1.51% in just six months. Saving on insurance policies is increasingly necessary. But without knowing the rules and “pitfalls”, risks are just around the corner. From maximums to deductibles, from expert guidance to additional guarantees, from the black box to renewal times. You need a guide (developed by Facile.it) to understand where you can really save and, above all, which shortcuts to avoidbecause chasing a lower premium can turn into a very expensive boomerang.
The first secret to saving on car insurance: always compare
There is only one golden rule: compare offers. According to a survey conducted by EMG Different, almost 8 million Italians in the last year they have compared multiple quotes before renewing their car insurance policy, with a average savings between 25% and 30%simply by changing company. Only in 2024, thanks to the online comparison, Italian motorists saved money 109 million euros on car insurance.
Car TPL: the fundamental items to understand before signing the contract
To save consciously you need to know some key words that often appear in the contract, but which many motorists ignore. The first is: maximum. It is the maximum amount that the company will pay in the event of an accident caused by us. Lowering it reduces the premium, but if it is too low and the damage is high, the difference remains the responsibility of the insured. Then there is the deductiblethe part of the damage that we pay out of our own pocket anyway. Accepting a higher deductible lowers the premium, but be careful: in the event of an accident, the outlay can be significant. Then there they are exclusions and compensationi.e. all those cases in which the insurance can refuse to pay or ask for the amount paid back. It is one of the least read parts of the contract, but also one of the most important. Reducing the limit or choosing a higher deductible can actually reduce the cost of the policy, but it is essential not to overdo it: too low a limit or an excessive deductible risks transforming savings into a serious problem at the time of the accident.
Risky false savings on car insurance: when the search for a discount can be costly
Among the most popular options to lower the premium is the expert guide. It’s fine if all the drivers of the insured car are over 26 years old, but as long as there is a newly licensed child behind the wheel on the day of the accident for the company to be able to exercise the revengeasking the insured to return the amount paid.
Even more restrictive is the exclusive guidewhich if chosen really allows a strong discount, but is only valid if the car is driven exclusively by the policy holder. Otherwise, the insurance does not cover the damage, even if it is an emergency situation. Also pay attention to useless additional guarantees. Insuring a ten-year-old car against theft may not make economic sense: reimbursement is based on the current commercial value, not the emotional one. Better, in these cases, to focus on more useful coverage such as roadside assistance. A serious mistake is to declare a incorrect residential address to obtain a lower premium, given that the premiums are different in the various Italian cities. If in the event of an accident the falsity emerges, the contract can be canceled and the damage remains entirely borne by the insured.
Useful tools to lower your car insurance premium
One of the most effective ways to save is Family RCwhich comes from the Bersani Law. It allows you to insure a vehicle benefiting from the best merit class of a cohabiting family member, even if the vehicle is used. The benefit is valid for both new and used vehicles and also between different vehicles, as long as it exists same registered residence. Be careful though, only the merit class is “inherited”, not the price of the policy, which however depends on age, driving experience and characteristics of the vehicle. The “donor” policy must be active and without fault claims in the last five years. It is a particularly advantageous tool for new drivers and young insured people, who avoid starting from class 14.
Another useful tool is the black boxwhich records driving data. In exchange for installation, many companies offer significant discounts. But be careful: the black box doesn’t lie. Speed and incorrect behavior can lead to compensation from the insurance.
Finally, accept the affiliated body shops It’s another way to save money. In the event of an accident, the car is repaired without an advance payment and at lower costs for the company, which often rewards this choice with lower rates.
Few people know this, but check quotes 30-45 days before the deadline can make a difference. Companies update their rates often, and the best time to check is the first business day of the month, when the new conditions are published. A saved quote generally remains valid even if the policy is taken out later, allowing you to seize offers that would otherwise be lost.
Another aspect to keep in mind is the driver issue. In the event of an at-fault accident, RC Car compensates all passengers involved, except the driver. In fact, anyone behind the wheel is not entitled to any compensation for physical damage suffered. To fill this gap there is a guarantee driver injuriesadditional coverage. With a low annual cost, it also protects the driver for injury, disability or death. It is a fundamental protection to avoid being discovered when you need it most.
Finally there is the chapter “animals”. First of all, it must be remembered that pets transported by car are not covered by standard RC. Specific policies are needed for them.
Finally, be careful of wild animals: damage caused by wild boars or deer is not covered by basic car insurance. Dedicated additional guarantees are needed, which are increasingly useful even in some cities.
