Bilförsäkring — komplett guide

Bilförsäkring är obligatoriskt i Sverige — men vilken nivå du väljer kan spara tusenlappar per år. Här guidar vi dig genom alternativen.

De tre nivåerna

Trafikförsäkring (obligatorisk)

Täcker skador du orsakar andra — personer, fordon och egendom. Täcker INTE skador på din egen bil. Kostnad: ~2 000–3 500 kr/år.

Halvförsäkring

Trafikförsäkring plus:

Kostnad: ~3 500–6 000 kr/år. Bra val för bilar värda under 100 000 kr.

Helförsäkring

Halvförsäkring plus vagnskadeförsäkring — täcker skador på din egen bil vid kollision, dikeskörning, skadegörelse, etc.

Kostnad: ~5 000–12 000 kr/år. Rekommenderas för bilar värda över 100 000 kr.

Tumregel: Vilken nivå?

Så sparar du på bilförsäkringen

  1. Jämför varje år — använd Insplanet, Compricer eller jämför direkt
  2. Höj självrisken — från 3 000 till 6 000 kr kan sänka premien 15–25%
  3. Samlingsrabatt — försäkra hem + bil hos samma bolag
  4. Miltal — ange korrekt körsträcka, lägre mil = lägre premie
  5. Garage/parkering — bil i garage kostar mindre att försäkra
  6. Förarbevis — bonus för skadefria år sänker premien

Populära försäkringsbolag i Sverige

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