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How can I calculate my car insurance premium?

At you can compare premiums from different providers. This way you don't have to go through every website to calculate and then compare the different premiums. All we need is some personal data and details about your car. In this article we will explain how you can calculate your car insurance premium in 4 steps.

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Calculate your car insurance premium in 4 steps

When calculating the premium for a car insurance, you should take into account the following factors. Based on these factors, an insurer will determine the amount of the premium:

Get car insurance? Calculate your premium!

Step 1: Fill in the license plate details

You can calculate the premium for a car insurance with our online comparison tool. The first step is to fill in your license plate details. With the license plate, we can already find out some information about the car, such as the make, model, year and fuel type. You don't have the license plate number at hand and you don't know it by heart? Then you can also fill in these details about the car manually. You can also calculate the premium without the license plate. We also need some details about the regular driver, such as postcode, house number and date of birth. The regular driver is the person who drives the car the most. Often the policyholder is the regular driver, but it is also possible that you take out the insurance but your partner is the regular driver. In that case you fill in the details of your partner.

Then you fill in your accumulated claim-free years. The more claim-free years you have built up, the more premium discount you will receive. If you do not know exactly how many claim-free years you have built up, we can make an online estimate for you. We do this with a number of short questions. This way you don't have to look up everything when you just want to calculate the premium.

Step 2: Choosing cover

Next, you choose a cover for your car insurance. There are three possibilities: WA, WA limited casco and Allrisk. With WA car insurance you are insured for damage that you cause to others. We call this liability damage. Damage to your own car is not insured with this coverage. You can also choose the more extensive WA limited casco coverage. This covers you for damage caused by fire, storm and theft, among other things. Finally, there is the all-risk car insurance. This is the most extensive coverage. With this cover you are also insured for damage to your own car caused by your own fault. Which cover you can choose depends on your personal situation and the age and current value of your car. There are, of course, price differences between the coverages. The more extensive the coverage, the higher the premium.

Step 3: Selecting additional coverages

In step 2 you choose the basic coverage of your car insurance. You can supplement this with extra coverage. This way you can compose your car insurance yourself. You can choose from the following additional covers:

The following applies to additional cover: The more additional cover you purchase, the higher the premium.

Step 4: Calculating and comparing the premium

After filling in all the data, you can calculate the premium for your personal car insurance. You will get an overview of all car insurers with a suitable offer. You will immediately see the monthly premium you will pay with each insurer. Then you can start comparing different providers. When comparing car insurance, we advise you to pay attention not only to the amount of the premium, but also to the coverage and policy conditions. This way you avoid being less well insured than you might think in case of a claim. By comparing well, you can easily find the best and cheapest car insurance.

Calculate your car insurance premium directly through Alpina

With us, you can calculate your car insurance premium within 5 minutes. You can do this 24 hours a day, 7 days a week at Do you still have questions? Then please contact us! You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 088 - 6883700 or send us a message via chat, WhatsApp and Messenger.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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