{"id":15984,"date":"2026-07-30T09:31:52","date_gmt":"2026-07-30T07:31:52","guid":{"rendered":"https:\/\/www.mrvin.com\/blog\/used-car-cost-2026\/"},"modified":"2026-08-25T13:28:00","modified_gmt":"2026-08-25T11:28:00","slug":"quanto-costa-auto-usata-2026","status":"publish","type":"page","link":"https:\/\/www.mrvin.com\/it\/blog\/quanto-costa-auto-usata-2026\/","title":{"rendered":"Quanto costa davvero un&#8217;auto usata in Europa nel 2026"},"content":{"rendered":"<style>\n\/* Google Fonts removed 2026-08-21: mrvin-fonts.php self-hosts these exact faces in wp_head, so this was a second request to Google whose only real effect was handing over the visitor IP (GDPR, LG Muenchen I, material in DE\/AT). *\/\nhtml{scroll-behavior:smooth}\n.mrvin-blog-post{--ink:#0B1120;--body:#3A4F66;--muted:#64748B;--faint:#94A3B8;--blue:#003399;--blue2:#2563EB;--tint:#DBEAFE;--bg:#FAFBFC;--surface:#FFFFFF;--surface2:#F8FAFC;--border:#E2E8F0;--green:#1D9E75;--red:#E24B4A;--yellow:#FFD21F;--sans:'DM 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.endnote{border-top:1px solid var(--border);margin-top:46px;padding-top:26px;font-size:17.5px;line-height:1.7;color:var(--body)}\n.mrvin-blog-post .endnote a{font-weight:500}\n\/* FAQ *\/\n.mrvin-blog-post .faq{margin:54px 0 0}\n.mrvin-blog-post .faq h2{margin-bottom:6px}\n.mrvin-blog-post .faq-item{border-top:1px solid var(--border);padding:20px 0}\n.mrvin-blog-post .faq-item:last-child{border-bottom:1px solid var(--border)}\n.mrvin-blog-post .faq-q{font-family:var(--sans);font-weight:700;font-size:20px;color:var(--ink);margin:0 0 8px}\n.mrvin-blog-post .faq-a{margin:0;font-size:16.5px;color:var(--body);line-height:1.7}\n\/* author bio *\/\n.mrvin-blog-post .author{display:flex;gap:16px;align-items:flex-start;background:var(--surface2);border-radius:16px;padding:22px 24px;margin:50px 0 0}\n.mrvin-blog-post .author .av{width:52px;height:52px;border-radius:50%;background:var(--blue);color:#fff;flex:0 0 auto;display:flex;align-items:center;justify-content:center;font-weight:500;font-size:17px}\n.mrvin-blog-post .author .nm{color:var(--ink);font-weight:500;font-size:16px;margin:0 0 5px}\n.mrvin-blog-post .author p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.6}\n\/* sources *\/\n.mrvin-blog-post .sources{border-top:1px solid var(--border);margin-top:54px;padding-top:26px}\n.mrvin-blog-post .sources h2{font-size:22px;margin:0 auto 16px}\n.mrvin-blog-post .sources ul{list-style:none;padding:0;margin:0}\n.mrvin-blog-post .sources li{font-size:14.5px;color:var(--muted);padding:9px 0;border-bottom:1px solid var(--border);line-height:1.5}\n.mrvin-blog-post .sources li b{color:var(--ink);font-weight:500}\n\/* responsive *\/\n@media(max-width:940px){\n  .mrvin-blog-post .layout{display:block;padding:84px 20px 0}\n  .mrvin-blog-post .wrap{max-width:720px;margin:0 auto}\n  .mrvin-blog-post .toc-side{display:none}\n}\n@media(max-width:640px){\n  .mrvin-blog-post h1{font-size:34px}.mrvin-blog-post .lead{font-size:19px}.mrvin-blog-post .dek{font-size:18px}.mrvin-blog-post{font-size:17px}\n  .mrvin-blog-post .stats{grid-template-columns:1fr}.mrvin-blog-post .byline{flex-wrap:wrap}.mrvin-blog-post .share{margin-left:0}\n}\n\/* ==== used-car-cost-2026: partner cards, entry points, highlighted CTA ====\n   Everything below is emitted by that article alone, except the two rules\n   scoped under .mrvin-blog-used-car-cost-2026, which upgrade the summary\n   ticks and the Takeaway label for that article only. *\/\n.mrvin-blog-post .side-cta{margin-top:26px;border-left:3px solid var(--tint);padding:2px 0 2px 22px}\n.mrvin-blog-post .side-cta .sc-h{font-family:var(--sans);font-weight:700;font-size:16px;line-height:1.25;color:var(--ink);text-align:center;margin:0 0 12px}\n.mrvin-blog-post .side-cta .sc-h b{color:var(--blue);font-weight:400}\n.mrvin-blog-post .side-cta a{display:flex;align-items:center;gap:9px;font-size:14px;font-weight:600;color:var(--ink);background:var(--surface2);border:1px solid var(--border);border-radius:10px;padding:10px 12px;margin-bottom:8px;text-decoration:none;transition:border-color .2s ease,background .2s ease}\n.mrvin-blog-post .side-cta a:hover{background:#fff;border-color:var(--blue2);text-decoration:none}\n.mrvin-blog-post .side-cta .sc-ic{flex:0 0 24px;height:24px;border-radius:7px;background:linear-gradient(140deg,#EDF4FE,#DBEAFE);border:1px solid #CBDDF8;color:var(--blue);display:flex;align-items:center;justify-content:center}\n.mrvin-blog-post .side-cta .sc-ic svg{width:14px;height:14px}\n.mrvin-blog-post .jumpline{margin:16px 0 0;padding-top:14px;border-top:1px solid var(--border);font-size:14.5px;color:var(--muted)}\n.mrvin-blog-post .jumpline a{font-weight:600}\n.mrvin-blog-post .jumpline .sep{color:var(--faint);margin:0 8px}\n.mrvin-blog-post .mbar{position:fixed;left:0;right:0;bottom:0;z-index:9998;display:none;flex-direction:column;gap:8px;background:rgba(255,255,255,.97);border-top:1px solid var(--border);box-shadow:0 -6px 20px rgba(11,17,32,.08);padding:10px 12px;transform:translateY(110%);transition:transform .28s ease}\n.mrvin-blog-post .mbar.on{transform:translateY(0)}\n.mrvin-blog-post .mbar a{flex:1 1 0;display:inline-flex;align-items:center;justify-content:center;gap:8px;text-align:center;font-size:14px;font-weight:600;color:#fff;background:var(--blue);border-radius:10px;padding:11px 8px;text-decoration:none}\n.mrvin-blog-post .mbar a.alt{background:var(--surface2);color:var(--ink);border:1px solid var(--border)}\n.mrvin-blog-post .mbar a svg{width:16px;height:16px}\n.mrvin-blog-post .mbar-top{position:relative;display:flex;align-items:center;justify-content:center;gap:8px}\n.mrvin-blog-post .mbar-h{font-family:var(--sans);font-weight:700;font-size:17px;line-height:1.2;color:var(--ink);text-align:center}\n.mrvin-blog-post .mbar-h b{color:var(--blue);font-weight:400}\n.mrvin-blog-post .mbar-row{display:flex;gap:8px}\n.mrvin-blog-post .mbar button{position:absolute;right:0;top:50%;transform:translateY(-50%);background:none;border:0;color:var(--faint);font-size:20px;line-height:1;cursor:pointer;padding:0 2px}\n@media (max-width:1000px){.mrvin-blog-post .mbar{display:flex}}\n.mrvin-blog-post .pcard{border:1px solid var(--border);border-radius:16px;background:var(--surface);padding:20px 22px;margin:38px 0;box-shadow:0 2px 10px rgba(11,17,32,.04);transition:box-shadow .2s ease,border-color .2s ease}\n.mrvin-blog-post .pcard:hover{box-shadow:0 10px 26px rgba(11,17,32,.09);border-color:#CBD8EA}\n.mrvin-blog-post .pcard-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap}\n.mrvin-blog-post .pcard-ic{flex:0 0 44px;height:44px;border-radius:12px;background:linear-gradient(140deg,#EDF4FE,#DBEAFE);border:1px solid #CBDDF8;color:var(--blue);display:flex;align-items:center;justify-content:center}\n.mrvin-blog-post .pcard-ic svg{width:23px;height:23px}\n.mrvin-blog-post .pcard-body{flex:1 1 240px;min-width:0}\n.mrvin-blog-post .pcard-h{font-family:var(--sans);font-weight:700;font-size:20px;color:var(--ink);margin:0 0 3px;line-height:1.25}\n.mrvin-blog-post .pcard-sub{font-size:15px;color:var(--muted);margin:0;line-height:1.5}\n.mrvin-blog-post .pcard-btn{flex:0 0 auto;display:inline-flex;align-items:center;gap:9px;background:var(--blue);color:#fff;border:0;border-radius:10px;font-family:var(--sans);font-size:15.5px;font-weight:600;padding:12px 20px;cursor:pointer;box-shadow:0 4px 12px rgba(0,51,153,.2);transition:background .2s ease,transform .18s ease,box-shadow .18s ease}\n.mrvin-blog-post .pcard-btn:hover{background:var(--blue2);transform:translateY(-1px);box-shadow:0 7px 18px rgba(37,99,235,.28)}\n.mrvin-blog-post .pcard-btn svg{width:16px;height:16px;transition:transform .18s ease}\n.mrvin-blog-post .pcard-btn:hover svg{transform:translateX(3px)}\n.mrvin-blog-post .pcard-slot{display:none;margin-top:18px;border-top:1px solid var(--border);padding-top:18px}\n.mrvin-blog-post .pcard.open .pcard-slot{display:block}\n.mrvin-blog-post .pcard.open .pcard-btn{display:none}\n\/* clickout slot: the Czech partners are links, not embedded widgets, so the\n   revealed slot holds a button-shaped anchor instead of an iframe *\/\n.mrvin-blog-post .pcard-slot a.pgo{display:flex;align-items:center;justify-content:center;gap:9px;font-size:15px;font-weight:600;color:#fff;background:var(--blue);border-radius:12px;padding:14px 18px;text-decoration:none;transition:background .2s ease}\n.mrvin-blog-post .pcard-slot a.pgo:hover{background:var(--blue2);text-decoration:none}\n.mrvin-blog-post .pcard-slot a.pgo svg{width:17px;height:17px;flex:0 0 17px}\n.mrvin-blog-post .partner-disc{border-top:1px solid var(--border);margin-top:30px;padding-top:18px;font-size:12.5px;line-height:1.65;color:var(--faint)}\n.mrvin-blog-post .partner-disc b{display:block;font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:5px}\n.mrvin-blog-post .pv-body .pv-eyebrow{display:flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue2);margin:0 0 9px}\n.mrvin-blog-post .pv-body .pv-eyebrow svg{width:16px;height:16px;flex:0 0 16px}\n.mrvin-blog-post .promo-vin .mrvin-search-hint{margin:0}\n.mrvin-blog-post .promo-vin .pv-trust{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}\n.mrvin-blog-post .promo-vin .pv-trust li{display:flex;align-items:center;gap:6px;font-size:12.5px;color:var(--muted);background:var(--surface2);border:1px solid var(--border);border-radius:999px;padding:5px 12px}\n.mrvin-blog-post .promo-vin .pv-trust svg{width:14px;height:14px;flex:0 0 14px;color:var(--green)}\n.mrvin-blog-post .mrvin-search-btn{display:inline-flex;align-items:center;justify-content:center;gap:9px}\n.mrvin-blog-post .mrvin-search-btn svg{width:17px;height:17px;flex:0 0 17px;transition:transform .18s ease}\n.mrvin-blog-post .mrvin-search-btn:hover svg{transform:translateX(3px)}\n.mrvin-blog-post .promo.promo-xl{display:block;padding:0;border-radius:20px;margin:46px 0 0;background:linear-gradient(135deg,#002B80 0%,#003399 46%,#1D4ED8 100%);box-shadow:0 18px 44px rgba(0,51,153,.28)}\n.mrvin-blog-post .promo.promo-xl:before{right:-56px;top:-56px;width:210px;height:210px;border-width:34px}\n.mrvin-blog-post .promo.promo-xl:after{content:\"\";position:absolute;left:-70px;bottom:-96px;width:240px;height:240px;border-radius:50%;pointer-events:none;background:radial-gradient(circle,rgba(255,210,31,.22) 0%,rgba(255,210,31,0) 68%)}\n.mrvin-blog-post .promo-xl .promo-inner{position:relative;z-index:1;padding:30px 32px 28px}\n.mrvin-blog-post .promo-xl .promo-main{display:flex;align-items:flex-start;gap:18px}\n.mrvin-blog-post .promo-ic{flex:0 0 52px;height:52px;border-radius:15px;color:#fff;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.24);display:flex;align-items:center;justify-content:center}\n.mrvin-blog-post .promo-ic svg{width:27px;height:27px}\n.mrvin-blog-post .promo-xl .promo-text{flex:1 1 auto;min-width:0}\n.mrvin-blog-post .promo-xl .promo-eyebrow{font-size:12px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--yellow);margin:0 0 7px}\n.mrvin-blog-post .promo-xl .promo-h{font-size:27px;line-height:1.2;margin:0 0 8px}\n.mrvin-blog-post .promo-xl .promo-sub{font-size:15.5px;max-width:54ch}\n.mrvin-blog-post .promo-xl .promo-trust{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:20px 0 0;padding:0}\n.mrvin-blog-post .promo-xl .promo-trust li{display:flex;align-items:center;gap:7px;font-size:13.5px;color:#DCEAFB;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.17);border-radius:999px;padding:6px 13px}\n.mrvin-blog-post .promo-xl .promo-trust svg{width:15px;height:15px;flex:0 0 15px;color:var(--yellow)}\n.mrvin-blog-post .promo-xl .promo-btn{display:inline-flex;align-items:center;gap:10px;margin:22px 0 0;background:var(--yellow);color:#0B1120;font-weight:700;font-size:16.5px;padding:15px 26px;border-radius:13px;box-shadow:0 8px 20px rgba(0,0,0,.22);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n.mrvin-blog-post .promo-xl .promo-btn:hover{background:#FFDD4D;color:#0B1120;transform:translateY(-2px);box-shadow:0 12px 26px rgba(0,0,0,.3);text-decoration:none}\n.mrvin-blog-post .promo-xl .promo-btn svg{width:19px;height:19px;flex:0 0 19px}\n.mrvin-blog-post .promo-xl .promo-btn .pb-arrow{width:17px;height:17px;flex:0 0 17px;transition:transform .18s ease}\n.mrvin-blog-post .promo-xl .promo-btn:hover .pb-arrow{transform:translateX(3px)}\n.mrvin-blog-post .promo-xl + .promo-alt{margin:16px 0 42px}\n.mrvin-blog-post .promo-xl + .promo-alt a{display:inline-flex;align-items:center;gap:7px}\n.mrvin-blog-post .promo-xl + .promo-alt svg{width:15px;height:15px;flex:0 0 15px}\n.mrvin-blog-post .src-links{display:block;margin-top:6px}\n.mrvin-blog-used-car-cost-2026 .tldr li{padding-left:33px}\n.mrvin-blog-used-car-cost-2026 .tldr li:before{content:\"\";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:7px;background:rgba(29,158,117,.11) url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 24 24' fill='none' stroke='%231D9E75' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12.5 4.6 4.6L19 7'\/%3E%3C\/svg%3E\") center\/13px 13px no-repeat}\n.mrvin-blog-used-car-cost-2026 .takeaway b{padding-left:21px;line-height:1.5;background:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 24 24' fill='none' stroke='%230F6E56' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9.3 18h5.4'\/%3E%3Cpath d='M10.2 21h3.6'\/%3E%3Cpath d='M12 3a6 6 0 0 0-3.5 10.9c.6.5 1 1.2 1 2h5c0-.8.4-1.5 1-2A6 6 0 0 0 12 3Z'\/%3E%3C\/svg%3E\") left center\/14px 14px no-repeat}\n@media(max-width:600px){\n  .mrvin-blog-post .promo-xl .promo-inner{padding:26px 22px 24px}\n  .mrvin-blog-post .promo-xl .promo-main{gap:14px}\n  .mrvin-blog-post .promo-xl .promo-h{font-size:23px}\n  .mrvin-blog-post .promo-ic{flex:0 0 44px;height:44px;border-radius:13px}\n  .mrvin-blog-post .promo-ic svg{width:23px;height:23px}\n  .mrvin-blog-post .promo-xl .promo-btn{width:100%;justify-content:center}\n}\n@media(prefers-reduced-motion:reduce){\n  .mrvin-blog-post .promo-xl .promo-btn,.mrvin-blog-post .pcard-btn,.mrvin-blog-post .pcard-btn svg,.mrvin-blog-post .mrvin-search-btn svg{transition:none}\n  .mrvin-blog-post .promo-xl 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Mantenerle no<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#insurance\">L&#039;assicurazione sale in tutta Europa<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#finance\">Un solo regolamento sul credito, da novembre<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#record\">Il tuo storico attraversa la frontiera. Quello dell&#039;auto no<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#depreciation\">Che cosa tiene il valore nel 2026<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#short\">In breve<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#faq\">Domande frequenti<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/nav>\n\t\t<\/aside>\n\n\t\t<article class=\"wrap content\">\n\n\t\t\t\t\t<div class=\"badges\">\n\t\t\t\t\t\t\t<span class=\"badge\">Guida all&#039;acquisto<\/span>\n\t\t\t\t\t\t\t<span class=\"badge\">Soldi<\/span>\n\t\t\t\t\t\t<span class=\"date\">30 Luglio 2026<\/span>\n\t\t\t<span class=\"dot\">&middot;<\/span>\n\t\t\t<span class=\"meta-extra\" id=\"mrvin-blog-readtime\">8 min di lettura<\/span>\n\t\t<\/div>\n\n\t\t<h1>Quanto costa davvero un&#039;auto usata in Europa nel 2026<\/h1>\n\n\t\t<p class=\"dek\">Le auto usate stanno diventando pi\u00f9 economiche quasi ovunque in Europa. Assicurarle e finanziarle no. Ecco dove finiscono davvero i soldi, e le tre voci che puoi ancora confrontare prima di firmare.<\/p>\n\n\t\t<div class=\"byline\">\n\t\t\t<div class=\"avatar\">MV<\/div>\n\t\t\t<div>\n\t\t\t\t<div class=\"name\">Il team MrVIN<\/div>\n\t\t\t\t<div class=\"role\">Ricerca sulla storia dei veicoli<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"share\">\n\t\t\t\t<a id=\"mrvin-blog-sh-x\" href=\"#\" target=\"_blank\" rel=\"noopener\" aria-label=\"Condividi su X\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M18.244 2.25h3.308l-7.227 8.26 8.502 11.24H16.17l-5.214-6.817L4.99 21.75H1.68l7.73-8.835L1.254 2.25H8.08l4.713 6.231zm-1.161 17.52h1.833L7.084 4.126H5.117z\"\/><\/svg><\/a>\n\t\t\t\t<a id=\"mrvin-blog-sh-li\" href=\"#\" target=\"_blank\" rel=\"noopener\" aria-label=\"Condividi su LinkedIn\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M4.98 3.5C4.98 4.88 3.87 6 2.5 6S0 4.88 0 3.5 1.12 1 2.5 1 4.98 2.12 4.98 3.5zM0 8h5v16H0zM7.5 8h4.78v2.2h.07c.67-1.2 2.3-2.46 4.73-2.46 5.06 0 6 3.33 6 7.66V24h-5v-6.78c0-1.62-.03-3.7-2.25-3.7-2.26 0-2.6 1.76-2.6 3.58V24h-5z\"\/><\/svg><\/a>\n\t\t\t\t<a id=\"mrvin-blog-sh-fb\" href=\"#\" target=\"_blank\" rel=\"noopener\" aria-label=\"Condividi su Facebook\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M24 12.07C24 5.4 18.63 0 12 0S0 5.4 0 12.07c0 6.02 4.39 11.01 10.13 11.93v-8.44H7.08v-3.49h3.05V9.41c0-3.02 1.79-4.69 4.53-4.69 1.31 0 2.68.24 2.68.24v2.97h-1.51c-1.49 0-1.95.93-1.95 1.88v2.26h3.32l-.53 3.49h-2.79v8.44C19.61 23.08 24 18.09 24 12.07z\"\/><\/svg><\/a>\n\t\t\t\t<button id=\"mrvin-blog-sh-copy\" type=\"button\" aria-label=\"Copia il link\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9.5 14.5l5-5\"\/><path d=\"M11 6.5l.7-.7a3.5 3.5 0 015 5l-2.2 2.2\"\/><path d=\"M13 17.5l-.7.7a3.5 3.5 0 01-5-5l2.2-2.2\"\/><\/svg><\/button>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"cover\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/used-car-cost\/contracts-hero.webp\" width=\"1024\" height=\"572\" alt=\"Un&#039;auto usata che cambia proprietario, con i documenti che l&#039;accompagnano\">\n\t\t<p class=\"cover-cap\">Il prezzo pubblicizzato \u00e8 uno di quattro numeri. Gli altri tre si fissano quando hai gi\u00e0 accettato di comprare.<\/p>\n\t\t\n\t\t\t<div class=\"tldr\">\n\t\t\t\t<p class=\"eyebrow\">In breve<\/p>\n\t\t\t\t<ul>\n\t\t\t\t\t<li>I valori delle auto usate continuano a scendere per tutto il 2026 in gran parte dell&#039;Europa occidentale, con divari tra i mercati sempre pi\u00f9 ampi.<\/li>\n\t\t\t\t\t<li>L&#039;assicurazione \u00e8 salita in tutta Europa per il costo di ricambi, manodopera e riparazioni. Quella pressione si sta allentando, ma i prezzi pi\u00f9 alti sono gi\u00e0 nel tuo rinnovo.<\/li>\n\t\t\t\t\t<li>Secondo le norme UE il tuo storico sinistri deve essere riconosciuto in qualsiasi Stato membro in cui ti trasferisci. La storia dell&#039;auto non \u00e8 altrettanto trasferibile.<\/li>\n\t\t\t\t\t<li>Dal 20 novembre 2026 si applica in tutta l&#039;UE un nuovo regolamento sul credito, comprese le offerte a rate a tasso zero.<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<div class=\"summary-stats\">\n\t\t\t\t\t<div><span class=\"snum\">&minus;16%<\/span><span class=\"slbl\">di calo del premio auto medio nel Regno Unito, dove la concorrenza tra comparatori \u00e8 pi\u00f9 forte<\/span><\/div>\n\t\t\t\t\t<div><span class=\"snum\">1 su 5<\/span><span class=\"slbl\">auto usate importate nell&#039;Europa centrale arriva dalla Germania<\/span><\/div>\n\t\t\t\t\t<div><span class=\"snum\">20 nov<\/span><span class=\"slbl\">le norme UE sul credito si applicano in ogni Stato membro<\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<h2 id=\"split\">Le auto sono calate. Mantenerle no<\/h2>\n\n\t\t\t<p>Partiamo dalle buone notizie, perch\u00e9 ci sono. I valori residui dovrebbero continuare a scendere per tutto il 2026 in Austria, Francia, Germania, Italia, Spagna, Svizzera e Regno Unito, mentre il mercato si normalizza dopo il picco del 2021-2023. I cali sono lievi, ma la direzione \u00e8 chiara, e le differenze tra i mercati nazionali si stanno allargando anzich\u00e9 chiudersi.<\/p>\n\n\t\t\t<p>Questo \u00e8 un mercato dell&#039;acquirente. Solo che non \u00e8 pi\u00f9 economico nel complesso, perch\u00e9 il prezzo d&#039;acquisto \u00e8 l&#039;unica voce che \u00e8 scesa. I costi di finanziamento si sono allentati rispetto al picco ma restano molto sopra il denaro quasi gratuito di qualche anno fa, e l&#039;assicurazione si \u00e8 mossa decisamente nella direzione opposta.<\/p>\n\n\t\t\t<div class=\"takeaway\">\n\t\t\t\t<b>In sintesi<\/b>\n\t\t\t\tComprare un&#039;auto usata significa firmare tre accordi distinti nel giro di circa una settimana: uno per l&#039;auto, uno per il prestito, uno per la copertura. La maggior parte degli acquirenti tratta il primo e accetta gli altri due cos\u00ec come sono.\t\t\t<\/div>\n\n\t\t\t<h2 id=\"insurance\">L&#039;assicurazione \u00e8 la voce che si \u00e8 mossa contro di te<\/h2>\n\n\t\t\t<p>La pressione \u00e8 arrivata dall&#039;inflazione dei sinistri, ed \u00e8 stata la stessa storia in quasi tutti i mercati europei. I ricambi sono diventati pi\u00f9 cari. Le riparazioni si sono complicate, perch\u00e9 anche un normale paraurti oggi porta sensori e telecamere. La manodopera \u00e8 costata di pi\u00f9. Le compagnie hanno riprezzato di conseguenza e i premi sono saliti in tutto il continente.<\/p>\n\n\t\t\t<p>Un sollievo c&#039;\u00e8. L&#039;inflazione dei sinistri auto ha smesso di salire e ora si sta allentando tra gli assicuratori danni europei. Ma pressione che si allenta non vuol dire prezzi che scendono: gli aumenti degli ultimi anni sono gi\u00e0 incorporati nel premio che ti viene quotato oggi.<\/p>\n\n\t\t\t<p>Ecco perch\u00e9 l&#039;unica risposta affidabile \u00e8 verificare quanto costano oggi la tua auto e il tuo codice postale, invece di dare per scontato che il premio dell&#039;anno scorso rispecchi ancora il mercato.<\/p>\n\n\t\t\t<p>Quel che cambia \u00e8 quanta concorrenza c'\u00e8 dove vivi. La prova pi\u00f9 chiara viene dal mercato con la cultura del confronto prezzi pi\u00f9 agguerrita d'Europa: nel Regno Unito il premio medio della polizza completa \u00e8 calato di circa il <b>16% nell'anno fino all'autunno 2025<\/b>, mentre i siti di comparazione intensificavano la concorrenza tra compagnie. Stessa inflazione dei sinistri, direzione opposta, perch\u00e9 l\u00ec gli acquirenti cambiano compagnia.<\/p>\n\n\t\t\t<figure>\n\t\t\t\t<img decoding=\"async\" class=\"cover\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/used-car-cost\/insurance-two-cars.webp\" width=\"1024\" height=\"572\" alt=\"Due auto usate simili parcheggiate una accanto all&#039;altra\">\n\t\t\t\t<figcaption>Due auto allo stesso prezzo possono costare cifre molto diverse da assicurare.<\/figcaption>\n\t\t\t<\/figure>\n\n\t\t\t<p>La lezione vale anche dove i numeri non valgono. I premi si costruiscono su tre cose quasi ovunque in Europa: l&#039;auto stessa, dove viene tenuta e il tuo storico sinistri. Due di queste si decidono nel momento in cui scegli quale auto comprare.<\/p>\n\n\t\t\t<div class=\"takeaway\">\n\t\t\t\t<b>In sintesi<\/b>\n\t\t\t\tL&#039;auto che scegli fissa il tuo premio prima che tu abbia percorso un metro. Due auto allo stesso prezzo possono costare cifre sensibilmente diverse da assicurare, perch\u00e9 costo di riparazione e rischio furto sono tariffati per modello.\t\t\t<\/div>\n\n\t\t\t<p>Il che significa che la polizza pi\u00f9 economica per l&#039;auto che stai per comprare \u00e8 un numero che puoi scoprire oggi, prima di possederla. Ci vuole un minuto ed \u00e8 lo stesso esercizio da ripetere a ogni rinnovo.<\/p>\n\n\t\t\t<h2 id=\"finance\">Un solo regolamento sul credito, da novembre<\/h2>\n\n\t\t\t<p>Se finanzi l'auto, e in Europa lo fa una quota consistente di acquirenti privati, quest'anno conta una data. Dal <b>20 novembre 2026<\/b> si applica la nuova Direttiva UE sul credito ai consumatori in ogni Stato membro.<\/p>\n\n\t\t\t<p>Prima di tutto questo, per\u00f2, il passo utile \u00e8 quello di sempre: scopri a quale tasso hai davvero diritto, invece di accettare quello che ti mettono davanti. Verificarlo non costa nulla.<\/p>\n\n\t\t\t<p>Vale la pena conoscere due novit\u00e0 prima di firmare qualsiasi cosa:<\/p>\n\n\t\t\t<p><b>Le verifiche sul merito creditizio diventano pi\u00f9 severe.<\/b> I finanziatori devono guardare con pi\u00f9 attenzione se puoi davvero permetterti le rate. Aspettati pi\u00f9 documenti e meno approvazioni immediate alla scrivania del concessionario.<\/p>\n\n\t\t\t<p><b>Le offerte a tasso zero sono coperte per la prima volta.<\/b> I piani a rate senza interessi e le formule compra ora e paga dopo rientrano nelle stesse norme sul credito al consumo dei prestiti ordinari. \u00c8 una tutela, non una restrizione: gli stessi obblighi di informazione e valutazione valgono ora anche per l'offerta che prima passava pi\u00f9 in fretta.<\/p>\n\n\t\t\t<figure>\n\t\t\t\t<img decoding=\"async\" class=\"cover\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/used-car-cost\/loan-schedule.webp\" width=\"1024\" height=\"572\" alt=\"Un piano di ammortamento accanto a un&#039;auto usata\">\n\t\t\t\t<figcaption>Il debito scende secondo un calendario. L&#039;auto no.<\/figcaption>\n\t\t\t<\/figure>\n\n\t\t\t<p>Qualunque siano le regole, l&#039;aritmetica non cambia. Il tasso che ti offrono dipende dal tuo profilo creditizio, e la differenza tra un buon tasso e uno cattivo su un&#039;auto usata tipica vale pi\u00f9 di qualsiasi sconto tu riesca a strappare trattando sul prezzo. Confronta prima di entrare, perch\u00e9 arrivare con il finanziamento gi\u00e0 pronto ti rende anche un acquirente in contanti nella trattativa.<\/p>\n\n\t\t\t<h2 id=\"record\">Il tuo storico attraversa la frontiera. Quello dell&#039;auto no<\/h2>\n\n\t\t\t<p>Questa \u00e8 la parte che la maggior parte degli acquirenti non conosce, e taglia da entrambi i lati.<\/p>\n\n\t\t\t<p><b>Il tuo storico sinistri \u00e8 trasferibile.<\/b> Secondo la Direttiva UE sull'assicurazione auto modificata, un assicuratore deve trattare un attestato di rischio rilasciato in un altro Stato membro <b>alla pari di uno nazionale<\/b>, e deve offrire a un cliente di un altro Stato membro gli stessi sconti che otterrebbe un cliente nazionale per il resto identico, compresi gli sconti bonus-malus. Gli assicuratori non possono discriminare in base alla tua nazionalit\u00e0 o allo Stato membro in cui vivevi prima. Se cambi paese, chiedi l'attestato alla tua vecchia compagnia e insisti perch\u00e9 venga applicato.<\/p>\n\n\t\t\t<p>Una precisazione utile: i sistemi restano nazionali. La direttiva impone che il tuo attestato sia <b>riconosciuto e conteggiato<\/b>, non che uno sconto per assenza di sinistri polacco si converta in uno rumeno identico.<\/p>\n\n\t\t\t<p><b>La storia dell'auto non \u00e8 trasferibile per niente.<\/b> Quando un veicolo viene esportato e reimmatricolato, il suo storico non lo segue nella nuova banca dati nazionale. L'Europa muove un numero enorme di auto usate attraverso le sue frontiere interne, spinta dal divario di prezzo tra i mercati occidentali e quelli centrali e orientali. L'Europa occidentale, e la Germania sopra tutti, le fornisce. In diversi mercati dell'Europa centrale circa <b>una su cinque<\/b> auto usate importate arriva dalla sola Germania, e in Polonia circa <b>la met\u00e0<\/b> delle auto usate ispezionate sono <a href=\"https:\/\/www.mrvin.com\/it\/blog\/storia-auto-importata\/\">importazioni<\/a>.<\/p>\n\n\t\t\t<div class=\"takeaway\">\n\t\t\t\t<b>In sintesi<\/b>\n\t\t\t\tUn&#039;auto che ha cambiato paese arriva con uno storico locale pulito, qualunque cosa le sia successa prima. Non \u00e8 una scappatoia che il venditore debba sfruttare di proposito. \u00c8 semplicemente il modo in cui funzionano i registri nazionali.\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"promo-vin\" id=\"pv-check\">\n\t\t\t<div class=\"pv-head\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/vin-check-bear.webp\" width=\"1255\" height=\"431\" alt=\"L&#039;orso MrVIN con una lente d&#039;ingrandimento accanto a un&#039;auto usata\">\n\t\t\t\t<div class=\"pv-body\">\n\t\t\t\t\t<p class=\"pv-eyebrow\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"10.5\" cy=\"10.5\" r=\"7\"\/><path d=\"m7.6 10.6 2.1 2.1 3.9-4.3\"\/><path d=\"m15.6 15.6 4.4 4.4\"\/><\/svg><span>Controllo storico del veicolo<\/span><\/p>\n\t\t\t\t\t<h3>Controlla l&#039;auto prima di controllare il prezzo<\/h3>\n\t\t\t\t\t<p>Scopri chilometraggio reale, danni, finanziamenti e storia per paese di un&#039;auto in oltre 30 paesi, in meno di un minuto.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"mrvin-search-box\">\n\t\t\t\t<form class=\"mrvin-search-row\" action=\"https:\/\/www.mrvin.com\/it\/product\/\" method=\"GET\">\n\t\t\t\t\t<input type=\"text\" class=\"mrvin-search-input\" name=\"vin\" placeholder=\"Inserisci il tuo numero VIN a 17 cifre\" aria-label=\"Numero di telaio\" maxlength=\"32\" autocomplete=\"off\">\n\t\t\t\t\t<button type=\"submit\" class=\"mrvin-search-btn\"><span>Verifica il VIN<\/span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12h13\"\/><path d=\"m12.5 6.4 6 5.6-6 5.6\"\/><\/svg><\/button>\n\t\t\t\t<\/form>\n\t\t\t<\/div>\n\t\t\t<p class=\"mrvin-search-hint\">Esempio: <code>WBA3A5G59DNP26082<\/code><span class=\"sep\"><\/span>Anticipazione gratuita inclusa<\/p>\n\t\t\t<ul class=\"pv-trust\">\n\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M3.5 12h17\"\/><path d=\"M12 3.5c2.3 2.4 3.4 5.3 3.4 8.5s-1.1 6.1-3.4 8.5c-2.3-2.4-3.4-5.3-3.4-8.5S9.7 5.9 12 3.5Z\"\/><\/svg><span>oltre 30 paesi<\/span><\/li>\n\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M12 7v5.3l3.4 2\"\/><\/svg><span>Risultato in meno di un minuto<\/span><\/li>\n\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M13.5 3.5h-6a2 2 0 0 0-2 2v13a2 2 0 0 0 2 2h9a2 2 0 0 0 2-2V8.5Z\"\/><path d=\"M13.5 3.5V8.5h5\"\/><path d=\"M9 13.4h6M9 16.4h4\"\/><\/svg><span>Report PDF completo<\/span><\/li>\n\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\n\t\t\t<h2 id=\"depreciation\">Che cosa tiene il valore nel 2026<\/h2>\n\n\t\t\t<p>La svalutazione non compare mai su una fattura, ed \u00e8 per questo che resta fuori dai conti, ed \u00e8 di solito il costo pi\u00f9 grande di tutti. Nel 2026 varia enormemente a seconda dell&#039;alimentazione.<\/p>\n\n\t\t\t<p><b>Le elettriche stanno calando pi\u00f9 di tutte.<\/b> Le elettriche a batteria usate vengono ormai scambiate <b>sotto i valori pre pandemia<\/b>, in calo di circa il 4,4% su base annua. Una Tesla Model 3 che nel 2022 si vendeva usata a &euro;35.000-&euro;40.000 oggi va intorno a <b>&euro;22.000-&euro;28.000<\/b> nella maggior parte dei mercati europei. Gran parte del motivo \u00e8 che gli acquirenti non possono verificare lo <a href=\"https:\/\/www.mrvin.com\/it\/blog\/salute-batteria-auto-elettrica-usata\/\">stato della batteria<\/a>: non esiste ancora <b>una certificazione standard dello stato di salute<\/b>, cos\u00ec il mercato mette a prezzo l'incertezza.<\/p>\n\n\t\t\t<p><b>Le ibride sono le pi\u00f9 solide.<\/b> Sono entrate nel 2026 in crescita di circa il <b>2,2% su base annua<\/b>, la migliore alimentazione. I valori di benzina e diesel sono rimasti relativamente stabili.<\/p>\n\n\t\t\t<p>Leggilo da acquirente, non da titolo di giornale. Una svalutazione rapida fa male se vendi ed \u00e8 utile se compri. Se pensi di tenere l&#039;auto per anni, l&#039;affare elettrico \u00e8 un vero affare. Se prevedi di rivenderla tra tre, la curva conta pi\u00f9 del prezzo esposto.<\/p>\n\n\t\t\t<h2 id=\"short\">In breve<\/h2>\n\n\t\t\t<p>Tre contratti, tre occasioni per confrontare:<\/p>\n\n\t\t\t<ol>\n\t\t\t\t<li><b>L'auto.<\/b> Controlla la sua storia sul VIN prima di impegnarti, soprattutto su un'importazione. Un'auto che ha attraversato una frontiera arriva con uno storico locale vuoto, qualunque cosa le sia successa prima.<\/li>\n\t\t\t\t<li><b>Il prestito.<\/b> Confronta i finanziatori invece di accettare l'offerta alla scrivania. Le nuove norme UE da novembre significano pi\u00f9 verifiche, non tassi migliori.<\/li>\n\t\t\t\t<li><b>L'assicurazione.<\/b> Confronta ogni anno. Se hai cambiato paese, chiedi l'attestato di rischio e insisti perch\u00e9 venga applicato, perch\u00e9 le norme UE impongono che conti.<\/li>\n\t\t\t<\/ol>\n\n\t\t\t<p class=\"endnote\">I prezzi sono scesi quest&#039;anno. Le spese che seguono l&#039;acquisto no. Le tre voci qui sopra sono il punto in cui un acquirente attento decide ancora quanto costa davvero un&#039;auto usata.<\/p>\n\n\t\t\t\t\t<div class=\"promo promo-xl\">\n\t\t\t<div class=\"promo-inner\">\n\t\t\t\t<div class=\"promo-main\">\n\t\t\t\t\t<span class=\"promo-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"10.5\" cy=\"10.5\" r=\"7\"\/><path d=\"m7.6 10.6 2.1 2.1 3.9-4.3\"\/><path d=\"m15.6 15.6 4.4 4.4\"\/><\/svg><\/span>\n\t\t\t\t\t<div class=\"promo-text\">\n\t\t\t\t\t\t<p class=\"promo-eyebrow\">Prima di firmare qualsiasi cosa<\/p>\n\t\t\t\t\t\t<p class=\"promo-h\">Sapere prima di comprare<\/p>\n\t\t\t\t\t\t<p class=\"promo-sub\">Chilometraggio, danni, finanziamenti e registrazioni di import in oltre 30 paesi, in un unico report, in meno di un minuto.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<ul class=\"promo-trust\">\n\t\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M3.5 12h17\"\/><path d=\"M12 3.5c2.3 2.4 3.4 5.3 3.4 8.5s-1.1 6.1-3.4 8.5c-2.3-2.4-3.4-5.3-3.4-8.5S9.7 5.9 12 3.5Z\"\/><\/svg><span>oltre 30 paesi<\/span><\/li>\n\t\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M12 7v5.3l3.4 2\"\/><\/svg><span>Meno di un minuto<\/span><\/li>\n\t\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M13.5 3.5h-6a2 2 0 0 0-2 2v13a2 2 0 0 0 2 2h9a2 2 0 0 0 2-2V8.5Z\"\/><path d=\"M13.5 3.5V8.5h5\"\/><path d=\"M9 13.4h6M9 16.4h4\"\/><\/svg><span>Report PDF completo<\/span><\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<a class=\"promo-btn\" href=\"https:\/\/www.mrvin.com\/it\/product\/\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M3.5 17v-4.1l1.7-4.2a2 2 0 0 1 1.9-1.2h9.8a2 2 0 0 1 1.9 1.2l1.7 4.2V17\"\/><path d=\"M4 12.9h16\"\/><circle cx=\"7.6\" cy=\"17\" r=\"1.7\"\/><circle cx=\"16.4\" cy=\"17\" r=\"1.7\"\/><\/svg><span>Controlla un VIN<\/span><svg class=\"pb-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12h13\"\/><path d=\"m12.5 6.4 6 5.6-6 5.6\"\/><\/svg><\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<p class=\"promo-alt\"><a href=\"https:\/\/www.mrvin.com\/it\/sample-report\/\"><span>Non sei ancora sicuro? Dai prima un\u2019occhiata a come si presenta un rapporto completo <\/span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12h13\"\/><path d=\"m12.5 6.4 6 5.6-6 5.6\"\/><\/svg><\/a><\/p>\n\t\t\n\t\t\t<section class=\"faq\" id=\"faq\">\n\t\t\t\t<h2>Domande frequenti<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">La mia classe di merito si trasferisce se mi sposto in un altro paese UE?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Il tuo storico sinistri deve essere riconosciuto. Secondo la Direttiva UE sull&#039;assicurazione auto modificata, un assicuratore deve trattare un attestato di rischio di un altro Stato membro alla pari di uno nazionale, e deve darti gli stessi sconti che otterrebbe un cliente nazionale per il resto identico. Gli assicuratori non possono discriminare per nazionalit\u00e0 o residenza precedente. I sistemi restano nazionali, quindi l&#039;attestato deve essere conteggiato, ma non si converte uno a uno. Chiedi l&#039;attestato per iscritto alla tua compagnia precedente.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Perch\u00e9 l&#039;assicurazione auto \u00e8 diventata pi\u00f9 cara in tutta Europa?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Inflazione dei sinistri. I costi di ricambi, manodopera e riparazione sono saliti nettamente nei mercati europei, e le compagnie hanno riprezzato di conseguenza. Le auto moderne sono anche pi\u00f9 costose da riparare, perch\u00e9 sensori e telecamere stanno dietro pannelli qualsiasi. Quella pressione si sta allentando ora, ma gli aumenti degli ultimi anni si riflettono gi\u00e0 nei premi attuali.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Un&#039;auto elettrica usata \u00e8 un buon acquisto nel 2026?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Sul prezzo, s\u00ec. Le elettriche usate vengono scambiate sotto i valori pre pandemia, quindi sono tra i modi pi\u00f9 economici per entrare in un&#039;auto moderna. Il rischio \u00e8 lo stato della batteria, perch\u00e9 non esiste ancora una certificazione standard dello stato di salute, ed \u00e8 esattamente il motivo per cui il mercato le sconta. Controlla la storia dell&#039;auto e, se puoi, fai testare la salute della batteria prima di comprare.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Che cosa cambia per i prestiti auto il 20 novembre 2026?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">La nuova Direttiva UE sul credito ai consumatori si applica in ogni Stato membro da quella data. Le verifiche sul merito creditizio diventano pi\u00f9 severe, e i piani a rate senza interessi e le offerte compra ora e paga dopo sono coperti per la prima volta dalle stesse norme del credito al consumo ordinario.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/section>\n\n\t\t\t\t\t<div class=\"author\">\n\t\t\t<div class=\"av\">MV<\/div>\n\t\t\t<div>\n\t\t\t\t<p class=\"nm\">Il team di ricerca MrVIN<\/p>\n\t\t\t\t<p>Studiamo i registri di storia dei veicoli in oltre 30 paesi, seguendo come i dati di chilometraggio, danni e propriet\u00e0 si muovono nel mercato europeo dell&#039;usato. Questo articolo si basa su normativa UE, analisi del mercato assicurativo europeo, statistiche nazionali di importazione e ricerche pubblicate sui valori residui, tutte collegate qui sotto.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<section class=\"sources\">\n\t\t\t<h2>Fonti<\/h2>\n\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li><b>Direttiva (UE) 2021\/2118<\/b> che modifica la Direttiva sull'assicurazione auto 2009\/103\/CE: parit\u00e0 di trattamento degli attestati di rischio tra Stati membri e divieto di discriminazione per nazionalit\u00e0 o residenza precedente. <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2021\/2118\/oj\" target=\"_blank\" rel=\"noopener\">Leggi<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Direttiva UE sul credito ai consumatori (CCD II), Direttiva (UE) 2023\/2225<\/b>: applicazione negli Stati membri dal 20 novembre 2026, valutazione del merito creditizio pi\u00f9 severa e copertura del credito a tasso zero e compra ora e paga dopo. <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2023\/2225\/oj\" target=\"_blank\" rel=\"noopener\">Leggi<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Analisi del mercato assicurativo europeo<\/b>: l'allentamento dell'inflazione dei sinistri auto tra gli assicuratori danni europei e il calo del premio medio della polizza completa nel Regno Unito attribuito alla concorrenza tra comparatori. <a href=\"https:\/\/www.reinsurancene.ws\/european-insurers-approach-2026-with-cautious-confidence-sp\/\" target=\"_blank\" rel=\"noopener\">S&amp;P Global Ratings<\/a> <a href=\"https:\/\/www.wtwco.com\/en-gb\/news\/2025\/09\/car-insurance-prices-fall-by-16-percent-during-last-12-months-as-young-drivers-continue-to-see\" target=\"_blank\" rel=\"noopener\">Indice prezzi Confused.com<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Dati del mercato dell'Europa centrale<\/b>: la quota di auto usate importate che arriva dalla Germania e il volume delle importazioni di auto usate in Polonia. <a href=\"https:\/\/www.pzpm.org.pl\/en\/News\/Used-Passenger-Car-Import-to-Poland-12-2025\" target=\"_blank\" rel=\"noopener\">Leggi<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Analisi dei valori residui Autovista<\/b>: le previsioni sui valori residui 2026 per i mercati dell'Europa occidentale e l'ampliamento dei divari tra mercati nazionali. <a href=\"https:\/\/autorecyclingworld.com\/autovista24-webinar-2026-residual-values-set-to-keep-easing-as-regional-gaps-widen\/\" target=\"_blank\" rel=\"noopener\">Leggi<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Schemi del commercio transfrontaliero<\/b>: i differenziali di prezzo tra i mercati dell'Europa occidentale e quelli centrali e orientali come motore dei flussi di auto usate. <a href=\"https:\/\/jdpower.com\/business\/news\/residual-values-in-europe-to-remain-under-pressure-in-2026\/\" target=\"_blank\" rel=\"noopener\">Leggi<\/a><\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/section>\n\t\t\n\t\t\t\t<section class=\"readnext\">\n\t\t\t<p class=\"eyebrow\">Leggi il prossimo articolo<\/p>\n\t\t\t<div class=\"readnext-grid\">\n\t\t\t\t\t\t\t\t\t<a class=\"readnext-card\" href=\"https:\/\/www.mrvin.com\/it\/blog\/comprare-auto-su-subito\/\">\n\t\t\t\t\t\t<span class=\"rn-img\" style=\"background-image:url('https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/vin-check-bear.webp')\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t\t<span class=\"rn-body\">\n\t\t\t\t\t\t\t<span class=\"rn-title\">Come comprare un&#039;auto su Subito senza pagarla due volte<\/span>\n\t\t\t\t\t\t\t<span class=\"rn-dek\">Subito \u00e8 il posto dove l&#039;Italia vende cose a se stessa, auto comprese, ed \u00e8 il pi\u00f9 grande bacino di venditori privati del Paese. Il prezzo che concordi non \u00e8 il prezzo che paghi: un numero sull&#039;annuncio decide la tassa, e non \u00e8 il prezzo.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"rn-more\">Leggi la guida &rarr;<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a class=\"readnext-card\" href=\"https:\/\/www.mrvin.com\/it\/blog\/importare-auto-dalla-germania\/\">\n\t\t\t\t\t\t<span class=\"rn-img\" style=\"background-image:url('https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/mobilede\/mobilede-hero.webp')\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t\t<span class=\"rn-body\">\n\t\t\t\t\t\t\t<span class=\"rn-title\">Come comprare un&#039;auto su mobile.de e importarla in Italia<\/span>\n\t\t\t\t\t\t\t<span class=\"rn-dek\">Il parco usato tedesco costa meno dell&#039;equivalente italiano e mobile.de \u00e8 dove si trova. Due numeri decidono se il risparmio sopravvive alla frontiera: la potenza su cui si calcola l&#039;IPT, e se l&#039;auto conta come usata oppure no.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"rn-more\">Leggi la guida &rarr;<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t<\/div>\n\t<script>\n(function(){\n  var ROOT=document.querySelector('.mrvin-blog-post'); if(!ROOT) return;\n  var I18N={\"readMin\":\"tempo di lettura\",\"copied\":\"Copiato\",\"chart1\":{\"inCountry\":\"Vendute all'interno di un paese\",\"crossBorder\":\"Vendute tra paesi UE\",\"ofCars\":\"% di auto\"},\"chart2\":{\"before\":\"Prima della banca dati\",\"after\":\"2024 (con Car-Pass)\",\"cases\":\"casi\"},\"rank\":{\"unit\":\"controlli\"},\"calc\":{\"perYear\":\"km \/ anno\",\"typicalFor\":\"Tipico per la sua et\u00e0\",\"thisCar\":\"Quest'auto\",\"difference\":\"Differenza\",\"about\":\"circa nella norma\",\"pctBelow\":\"% sotto la norma\",\"pctAbove\":\"% sopra la norma\",\"rangeLegend\":\"Intervallo tipico per la sua et\u00e0\",\"noteValue\":\"Se il chilometraggio reale \u00e8 pi\u00f9 vicino a {expected} km, i {hidden} km mancanti potrebbero gonfiare il prezzo richiesto di {price} di circa {est} (all'incirca il 4 % del valore ogni 10.000 km).\",\"noteHidden\":\"Sono circa {hidden} km sotto la norma. 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