{"id":3799,"date":"2021-03-16T08:40:38","date_gmt":"2021-03-16T07:40:38","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/"},"modified":"2026-09-08T23:22:32","modified_gmt":"2026-09-08T21:22:32","slug":"mistakes-you-should-avoid-if-you-want-to-buy-affordable-liability-insurance","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/","title":{"rendered":"Mistakes You Should Avoid If You Want to Buy Affordable Liability Insurance"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Cheap liability insurance doesn't always mean the very first lowest price you find online. A good policy should not only be affordable but also tailored to your situation, your car, and how you use it. That\u2019s why, before buying, it\u2019s worth taking a moment to compare offers, review the terms and conditions, and talk to someone who knows the insurance market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Polisarium, you can start with a quick online quote and then get help from an agent who will assist you in reviewing the available options. This makes it easier to avoid mistakes that often lead to overpaying for liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want to check the price of an auto insurance policy? Use the Polisarium calculator: <a href=\"\/en\/calculator\/car\/\">https:\/\/polisarium.pl\/kalkulator\/samochod<\/a>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Should You Be Careful When Buying Liability Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Third-party liability insurance is mandatory, but its price can vary significantly depending on the insurer, the driver\u2019s profile, the vehicle\u2019s specifications, the claims history, and where the vehicle is used. This means that two drivers with similar cars may receive completely different price quotes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s exactly why buying liability insurance \u201eon the fly\u201d often ends up costing you more than you need to. Sometimes the problem is not comparing offers, sometimes it\u2019s automatic policy renewal, and sometimes it\u2019s choosing add-ons that the driver doesn\u2019t need at all. Below, you\u2019ll find the most common mistakes you should avoid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 1: You're only checking one offer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most common mistakes is purchasing a policy from the first insurer to make you an offer. This could be your current insurer, a random online quote calculator, or an offer you received when buying a car. While this decision may be convenient, it rarely guarantees that you\u2019ve chosen the best option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The price of liability insurance may vary depending on the insurance company, so it\u2019s a good idea to check more than one quote. At Polisarium, you can compare offers from different companies and consult with an agent who will help you determine which policy is best for your car.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can check the offers from selected insurance companies here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/en\/here\/allianz\/car\/allianz-liability-insurance\/\">Allianz Auto Liability Insurance<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/generals\/third-party-liability-insurance\/generali-liability-insurance\/\">Generali Auto Liability Insurance<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/wiener\/car\/wiener-civil-liability-insurance-oc\/\">Vienna Auto Insurance<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/pzu\/car\/pzu-auto-liability-insurance\/\">PZU Auto Liability Insurance<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/uniqa\/car\/uniqa-liability-insurance\/\">Uniqa Auto Liability Insurance<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/worth\/car\/warta-liability-insurance\/\">Car Liability Insurance Premium<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/interrisk\/car\/interrisk-liability-insurance\/\">InterRisk Auto Liability Insurance<\/a><\/li>\n\n\n<li><a href=\"\/en\/here\/hdi\/car\/hdi-oc-communications\/\">HDI Auto Liability Insurance<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 2: You focus solely on the lowest price<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A low premium is important, but it shouldn\u2019t be the only factor in your decision. With liability insurance, the basic scope of coverage is mandated by law, but policies may differ in terms of additional coverage, customer service, payment terms, the availability of assistance after a claim, or the option to bundle liability insurance with other products.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cheapest offer may be a good choice, but it\u2019s worth making sure it doesn\u2019t come with restrictions that would be inconvenient for you. A Polisarium agent can help you check exactly what a given offer includes and whether it really is the best value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A good first step is to get an online quote: check out Polisarium's car insurance calculator.<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 3: You automatically renew your old policy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many drivers renew their liability insurance with the same insurer because it\u2019s the easiest option. They receive a renewal offer, the deadline is approaching, and the driver decides to pay the premium without exploring other options. It\u2019s convenient, but not always the best choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A renewal offer doesn't have to be the cheapest. In the meantime, your insurance history, market conditions, insurers' pricing policies, or the factors that affect your premium may have changed. That's why it's a good idea to compare current offers before renewing your policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Polisarium, you can check whether your current policy is competitive or if you\u2019d be better off looking for a different one. This way, you won\u2019t end up overpaying just because it was convenient to renew your previous policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 4: You don't check your liability and comprehensive insurance coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If, in addition to mandatory liability insurance, you\u2019re also interested in comprehensive auto insurance, it\u2019s not a good idea to purchase both policies separately. Sometimes, buying liability and comprehensive insurance from two different companies can be cost-effective, but very often a package deal turns out to be the better option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A combined liability and comprehensive insurance package can offer a better price, more convenient service, and simpler policy management. However, it all depends on the car, the level of coverage you want, and your budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to protect your car beyond just the mandatory liability insurance, check out <a href=\"\/en\/car\/oc-and-ac-package\/\">Third-Party Liability and Comprehensive Insurance Package<\/a>. A Polisarium agent will help you compare your options and decide whether a package would be a better choice for you than purchasing individual policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 5: You don't analyze installment payments<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Paying your liability insurance premium in installments can be convenient, especially when a single payment puts a significant strain on your household budget. However, it\u2019s important to remember that paying in installments may increase the total cost of the insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before choosing to pay in installments, check the difference between a one-time payment and an installment plan. Sometimes the extra cost is small, and it\u2019s worth choosing the convenience, but sometimes it\u2019s better to pay the full amount right away and save money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you purchase liability insurance through a Polisarium agent, you can immediately compare different payment options. This way, you know exactly how much you\u2019ll actually pay for the policy and won\u2019t base your decision solely on the amount of the first installment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 6: You enter data without checking it carefully<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The information entered during the quote calculation has a significant impact on the price of liability insurance. Details about the car, the owner, the co-owner, where the vehicle is used, its claims history, and the expected mileage may all be relevant. An error in the data may result in an incorrect quote or problems when signing the contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why it is a good idea to carefully check all the information before purchasing a policy. The registration number, year of manufacture, engine displacement, owner information, and insurance history should all match the actual facts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Polisarium's online quote tool lets you quickly start comparing offers, and speaking with an agent helps ensure that your information has been entered correctly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 7: You're not taking the vehicle's co-owner into account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Young drivers and people without an insurance history often pay more for liability insurance. In some cases, the solution may be to add a co-owner who has more experience and a favorable insurance history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, this is not a decision that should be made automatically. Joint ownership of a car has its consequences, so before registering the vehicle, it\u2019s a good idea to check whether this arrangement will actually lower the insurance premium and whether it will be beneficial for all parties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Polisarium agent can help you analyze different options and see how the policyholders' information affects the price of liability insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 8: You Buy a Policy at the Last Minute<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buying liability insurance right before your current policy expires often means you\u2019re in a rush. And rushing leads to mistakes: you choose the first offer you see, you don\u2019t check the add-ons, you don\u2019t analyze the premiums, and you don\u2019t have time to talk to an agent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It's best to check out the options ahead of time, before your current coverage expires. That way, you can take your time comparing prices, asking for details, and choosing a policy without feeling rushed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Don't wait until the last day. Get a quote online at Polisarium: https:\/\/polisarium.pl\/kalkulator\/samochod.<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake 9: You Decide Not to Use an Agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comparing auto liability insurance policies on your own may seem simple, but in practice, drivers often don\u2019t know how the different offers differ. Price is just one factor. Other important considerations include additional coverage, payment methods, the option to purchase a package, the accuracy of the information, and the ease of use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Polisarium agent can help you navigate the entire process of purchasing a policy: from getting a quote, to comparing offers, all the way to choosing the best solution. This is especially helpful if you\u2019re buying insurance for a new car, considering comprehensive coverage, have a co-owner, or want to switch insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the help of an agent, you don't have to analyze all the options on your own. You'll receive assistance in choosing a policy that suits your needs and financial situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How can you buy affordable auto liability insurance without making unnecessary mistakes?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The best solution is to combine the convenience of the internet with professional support. At Polisarium, you can start with an online calculator that lets you quickly check available car insurance options. You can then discuss the results with an agent, who will help you evaluate the offers and choose the right coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This approach saves you time, helps you avoid making impulsive decisions, and increases your chances of finding a good price. Instead of buying liability insurance blindly, you compare offers and take advantage of an expert\u2019s knowledge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Summary<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to buy affordable liability insurance, avoid the most common mistakes: don\u2019t choose the first offer you see, don\u2019t base your decision solely on price, don\u2019t renew your policy automatically, and don\u2019t add optional coverage without thinking it through. Also, check whether a combined liability and comprehensive insurance package is worth it for you, compare payment options, and make sure the information used for the quote is correct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Polisarium, you can do this conveniently and securely. Start with an online quote, and then work with an agent who will help you choose a policy tailored to your car.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Check your car insurance using the Polisarium calculator: https:\/\/polisarium.pl\/kalkulator\/samochod.<\/h3>","protected":false},"excerpt":{"rendered":"<p>Cheap liability insurance doesn't always mean the very first lowest price you find online. A good policy should not only be affordable, but also tailored to your situation, your car, and how you use it. That's why it's worth taking a moment before you buy<\/p>","protected":false},"author":1,"featured_media":3723,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[49],"tags":[59,61,67,60,57],"class_list":["post-3799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-oc","tag-kalkulator-oc","tag-porownanie-ofert-oc","tag-tanie-oc","tag-ubezpieczenie-samochodu","tag-zakup-oc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Unikaj tych b\u0142\u0119d\u00f3w, je\u015bli chcesz kupi\u0107 tanie OC | Polisarium<\/title>\n<meta name=\"description\" content=\"Zobacz, jakie b\u0142\u0119dy najcz\u0119\u015bciej pope\u0142nia si\u0119 przy wyborze taniego ubezpieczenia OC. Uniknij ich i ciesz si\u0119 dopasowan\u0105 polis\u0105 OC!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisarium.pl\/en\/guide\/third-party-liability-insurance\/mistakes-you-should-avoid-if-you-want-to-buy-affordable-liability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC\" \/>\n<meta property=\"og:description\" content=\"Zobacz, jakie b\u0142\u0119dy najcz\u0119\u015bciej pope\u0142nia si\u0119 przy wyborze taniego ubezpieczenia OC. Uniknij ich i ciesz si\u0119 dopasowan\u0105 polis\u0105 OC!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisarium.pl\/en\/guide\/third-party-liability-insurance\/mistakes-you-should-avoid-if-you-want-to-buy-affordable-liability-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-16T07:40:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T21:22:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-scaled.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1700\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\"},\"headline\":\"B\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC\",\"datePublished\":\"2021-03-16T07:40:38+00:00\",\"dateModified\":\"2026-09-08T21:22:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/\"},\"wordCount\":1515,\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/fotolia_40548323_subscription_xl-scaled.webp\",\"keywords\":[\"kalkulator OC\",\"por\u00f3wnanie ofert OC\",\"tanie OC\",\"ubezpieczenie samochodu\",\"zakup OC\"],\"articleSection\":[\"Ubezpieczenie OC\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/\",\"name\":\"Unikaj tych b\u0142\u0119d\u00f3w, je\u015bli chcesz kupi\u0107 tanie OC | Polisarium\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/fotolia_40548323_subscription_xl-scaled.webp\",\"datePublished\":\"2021-03-16T07:40:38+00:00\",\"dateModified\":\"2026-09-08T21:22:32+00:00\",\"description\":\"Zobacz, jakie b\u0142\u0119dy najcz\u0119\u015bciej pope\u0142nia si\u0119 przy wyborze taniego ubezpieczenia OC. Uniknij ich i ciesz si\u0119 dopasowan\u0105 polis\u0105 OC!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#primaryimage\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/fotolia_40548323_subscription_xl-scaled.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/fotolia_40548323_subscription_xl-scaled.webp\",\"width\":2560,\"height\":1700},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/ubezpieczenie-oc\\\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/polisarium.pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"B\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/\",\"name\":\"Polisarium\",\"description\":\"Ubezpieczenia online - samochod, dom, zdrowie, turystyka, firma\",\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\",\"name\":\"Polisarium sp. z o.o.\",\"alternateName\":\"Polisarium\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"width\":244,\"height\":68,\"caption\":\"Polisarium sp. z o.o.\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/POLISARIUM\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"caption\":\"admin\"},\"sameAs\":[\"https:\\\/\\\/polisarium.pl\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Avoid These Mistakes If You Want to Buy Affordable Liability Insurance | Polisarium","description":"See what mistakes people most often make when choosing affordable liability insurance. Avoid them and enjoy a policy that\u2019s right for you!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/polisarium.pl\/en\/guide\/third-party-liability-insurance\/mistakes-you-should-avoid-if-you-want-to-buy-affordable-liability-insurance\/","og_locale":"en_US","og_type":"article","og_title":"B\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC","og_description":"Zobacz, jakie b\u0142\u0119dy najcz\u0119\u015bciej pope\u0142nia si\u0119 przy wyborze taniego ubezpieczenia OC. Uniknij ich i ciesz si\u0119 dopasowan\u0105 polis\u0105 OC!","og_url":"https:\/\/polisarium.pl\/en\/guide\/third-party-liability-insurance\/mistakes-you-should-avoid-if-you-want-to-buy-affordable-liability-insurance\/","og_site_name":"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2021-03-16T07:40:38+00:00","article_modified_time":"2026-09-08T21:22:32+00:00","og_image":[{"width":2560,"height":1700,"url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-scaled.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#article","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/"},"author":{"name":"admin","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783"},"headline":"B\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC","datePublished":"2021-03-16T07:40:38+00:00","dateModified":"2026-09-08T21:22:32+00:00","mainEntityOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/"},"wordCount":1515,"publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-scaled.webp","keywords":["kalkulator OC","por\u00f3wnanie ofert OC","tanie OC","ubezpieczenie samochodu","zakup OC"],"articleSection":["Ubezpieczenie OC"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/","url":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/","name":"Avoid These Mistakes If You Want to Buy Affordable Liability Insurance | Polisarium","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#primaryimage"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-scaled.webp","datePublished":"2021-03-16T07:40:38+00:00","dateModified":"2026-09-08T21:22:32+00:00","description":"See what mistakes people most often make when choosing affordable liability insurance. Avoid them and enjoy a policy that\u2019s right for you!","breadcrumb":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#primaryimage","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-scaled.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-scaled.webp","width":2560,"height":1700},{"@type":"BreadcrumbList","@id":"https:\/\/polisarium.pl\/en\/poradnik\/ubezpieczenie-oc\/bledy-ktorych-powinienes-unikac-jesli-chcesz-kupic-tanie-ubezpieczenie-oc\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/polisarium.pl\/"},{"@type":"ListItem","position":2,"name":"B\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC"}]},{"@type":"WebSite","@id":"https:\/\/polisarium.pl\/en\/#website","url":"https:\/\/polisarium.pl\/en\/","name":"Polisarium","description":"Online insurance - car, home, health, tourism, business","publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/polisarium.pl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/polisarium.pl\/en\/#organization","name":"Polisarium sp. z o.o.","alternateName":"Polisarium","url":"https:\/\/polisarium.pl\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/logo\/image\/","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","width":244,"height":68,"caption":"Polisarium sp. z o.o."},"image":{"@id":"https:\/\/polisarium.pl\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","url":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","contentUrl":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","caption":"admin"},"sameAs":["https:\/\/polisarium.pl"]}]}},"taxonomy_info":{"category":[{"value":49,"label":"Ubezpieczenie OC"}],"post_tag":[{"value":59,"label":"kalkulator OC"},{"value":61,"label":"por\u00f3wnanie ofert OC"},{"value":67,"label":"tanie OC"},{"value":60,"label":"ubezpieczenie samochodu"},{"value":57,"label":"zakup OC"}]},"featured_image_src_large":["https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/fotolia_40548323_subscription_xl-1024x680.webp",1024,680,true],"author_info":{"display_name":"admin","author_link":"https:\/\/polisarium.pl\/en\/author\/poliseo\/"},"comment_info":0,"category_info":[{"term_id":49,"name":"Ubezpieczenie OC","slug":"ubezpieczenie-oc","term_group":0,"term_taxonomy_id":49,"taxonomy":"category","description":"Wszystko o obowi\u0105zkowym OC posiadacza pojazdu: rodzaje ubezpiecze\u0144 komunikacyjnych, b\u0142\u0119dy przy kupowaniu taniego OC i kary za brak polisy. Oferty OC por\u00f3wnasz na stronie <a href=\"https:\/\/polisarium.pl\/samochod\/ubezpieczenie-oc\/\">ubezpieczenie OC<\/a>.","parent":0,"count":6,"filter":"raw","cat_ID":49,"category_count":6,"category_description":"Wszystko o obowi\u0105zkowym OC posiadacza pojazdu: rodzaje ubezpiecze\u0144 komunikacyjnych, b\u0142\u0119dy przy kupowaniu taniego OC i kary za brak polisy. Oferty OC por\u00f3wnasz na stronie <a href=\"https:\/\/polisarium.pl\/samochod\/ubezpieczenie-oc\/\">ubezpieczenie OC<\/a>.","cat_name":"Ubezpieczenie OC","category_nicename":"ubezpieczenie-oc","category_parent":0}],"tag_info":[{"term_id":59,"name":"kalkulator OC","slug":"kalkulator-oc","term_group":0,"term_taxonomy_id":59,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: kalkulator OC, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":4,"filter":"raw"},{"term_id":61,"name":"por\u00f3wnanie ofert OC","slug":"porownanie-ofert-oc","term_group":0,"term_taxonomy_id":61,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: por\u00f3wnanie ofert OC, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":8,"filter":"raw"},{"term_id":67,"name":"tanie OC","slug":"tanie-oc","term_group":0,"term_taxonomy_id":67,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: tanie OC, w tym \u201eB\u0142\u0119dy, kt\u00f3rych powiniene\u015b unika\u0107, je\u015bli chcesz kupi\u0107 tanie ubezpieczenie OC\u201d.","parent":0,"count":3,"filter":"raw"},{"term_id":60,"name":"ubezpieczenie samochodu","slug":"ubezpieczenie-samochodu","term_group":0,"term_taxonomy_id":60,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie samochodu, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":9,"filter":"raw"},{"term_id":57,"name":"zakup OC","slug":"zakup-oc","term_group":0,"term_taxonomy_id":57,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: zakup OC, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":9,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/comments?post=3799"}],"version-history":[{"count":3,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3799\/revisions"}],"predecessor-version":[{"id":5048,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/3799\/revisions\/5048"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media\/3723"}],"wp:attachment":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media?parent=3799"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/categories?post=3799"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/tags?post=3799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}