I did some research on market with companies offers. Two things you should know. First, small insurance companies will usually screw you when it comes to insurance cases, like Shirbit - very cheap, but people complain about service they offer when time comes. Second, if you can add extra two hundreds for an agent - it's a good idea, because when case happens, you by yourself need to deal with the insurance companies, third sides and so on. On the other hand, a good agent with a good experience will take it on himself doing all dirty job. The problem is to find one, here a good advice is to ask your friends if they know a good agent that already handled real cases and better handled it positively. And another note, you probably want your agent located closely, so you don't need to go to Eilat to sing papers although in most cases fax communication is enough.
So, I found a good agent by friend's advice that actually also have Skoda Fabia but red one and with DSG. He know him for a long time and once helped with road accident case including courts. The agent name is Alex Novik, he is working for Elifim agency (site is badly working). So I went to Raanana to meet him.
He suggested me two options, both are big insurance (and not only) companies:
Both offers had almost the same price (+- 100 NIS) for liability ("hova") insurance and comprehensive ("makif") extension. I decided to go with Phoenix, because all my pension money and other funds are in this company.
Bottom line, total insurance cost for driver that
- below of age 30 (can lower a cost if above 30)
- single driver
- zero fault accidents, claims or violations in last 3 years (requires confirmation)
- clear driving records
- not a "new driver"
- from Jan 13th to Dec 31st 2011
- no other vehicle in family (can lower a cost if you have another car)
- requires immobilizer only
Liability insurance cost 1 773 NIS (can split for 11 payments)
Comprehensive is 3 089 NIS (can split for 3 payments)
Pay attention to have in policy
- "new for old" option that will pay actual market value for new car if your car is totaled for more than 50% or stolen, this works for only first year
- road services
Useful links
HowStuffWorks - How Car Insurance Works
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