We are talking about cars with a simplified configuration, which began to roll off the assembly lines of the Russian manufacturers AVTOVAZ and UAZ. They took such measures because of interruptions in the supply of a number of components.
For example, Niva Legend and Lada Granta in the Classic’22 version are produced without air conditioning, airbags, ABS and ERA-GLONASS system.
The cost of such machines is expected to be lower. In particular, the Granta Classic of the 2022 sample lost at least 70 thousand rubles in price compared to the previous version. In the context of rising prices in the car market, there is a demand for such models.
But such “victims” were not valued by insurance companies. Especially the case when the car is missing abs. This parameter affects the quality of braking, which means that the number of accidents directly depends on it. And since OSAGO pays for the damage to the owner of the car, insurance costs should increase in proportion to the risk. This opinion was shared with the Izvestiya newspaper in the Russian Union of Motor Insurance.
Additional insurance costs may be covered by the state program. Buyers of models of the Russian car industry can get discounts on car loans. The subsidy is awarded from the federal budget and can amount to 20-25% of the cost of the car. The discount varies depending on the subject of the Russian Federation.
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