Car insurance comparison
The motor liability insurance comes for Claims for damages by third parties on. It is required by law and thus compulsory insurance for motorists.
The comprehensive insurance covers Damage to your own car from. You can choose between partial and full insurance. The difference lies in the scope of services.
Complete your car insurance with matching additional modules:
- Mallorca-Police
- Automotive Schutzbrief
- discount protection
Automobile liability insurance
The motor liability insurance comes for Claims for damages by third parties on. It is required by law and thus compulsory insurance for motorists.
Car insurance with comprehensive insurance
The comprehensive insurance covers Damage to your own car from. You can choose between partial and full insurance. The difference lies in the scope of services.
additional modules
Complete your car insurance with matching additional modules:
- Mallorca-Police
- Automotive Schutzbrief
- discount protection
Reliable car protection at a low price
A car is indispensable for many: whether it is to drive to work every day or to drive the offspring from A to B. However, the mobile pedestal has its price. In addition to the acquisition costs, this is mainly due to maintenance. Especially the insurance contribution beats. But you can certainly influence this: on the one hand about the choice of the scope of service – on the other hand, for example, on the non-infringement class and the deductible. Find out here which components are mandatory in motor insurance and where saving potential lie.
Components of motor insurance
Car insurance consists of several components: motor liability insurance, comprehensive insurance and optional additions, for example the Majorca policy or the motor vehicle protection letter. Duty for motorists is only the motor vehicle liability insurance.
Motor liability insurance is required by law
To participate as a motorist on the road, a motor liability insurance is mandatory – it is required by law. And for a good reason. Because this jumps in, if you are involved in an accident and Make third party financial demands. In particular, when people are injured, motor liability insurance protects against high costs. You need this protection, but you can save on other parts of a car insurance.
Partial coverage is usually sufficient
A comprehensive insurance is available for damage to your own car. There are two variants: the partial and full insurance. The difference lies in the scope of services. While a partial comprehensive insurance protects against theft, storm, hail, fire or wild-game collision, a fully comprehensive tariff insurance covers u. a. in addition vandalism and self-inflicted damage. Basically, if you have one older vehicle own, usually sufficient Teilkasko. Comprehensive insurance is suitable for particularly valuable and new cars as well as current financing with high residual debt. However, before concluding a comprehensive insurance, you should ask carefully whether this protection is necessary at all. Because the residual value of your car is very low, is usually sufficient motor liability insurance.
Additional modules are not always necessary
You can supplement your motor insurance with additional components such as the Majorca policy, the discount protection or the motor vehicle protection letter. The Majorca policy is important if motorists with a rental car are traveling in countries whose statutory minimum cover in motor vehicle liability is very low. So check in advance how high it is in the destination country. If it is too low, you should first check whether your motor insurance already includes such an additional module. Car rental may also offer more protection than the statutory minimum coverage.
A motor insurance certificate is one Breakdown and accident assistance, which offer insurers and automobile clubs such as the ADAC. With a discount protection drivers have at least one Claim notification free per year, without the insurance contribution being increased. The conclusion may be worthwhile if you have been traveling with your car without damage for several years.
Saving tip: Inform yourself on our guide pages to the exact scope of performance of each vehicle components. So you can quickly find out if supplements make sense.
Consider further cost factors
The scope of services is only an influencing factor on the amount of insurance costs. Also the Regional and damage-free class play a crucial role for insurers when calculating the contribution of a car insurance company. The regional class gives the accident statistics of individual regions. With type classes, insurers rank vehicle models according to accident statistics in different risk groups. The non-damage rating indicates how many years drivers have been traveling accident-free. The following applies: The longer you do not report any damage, the cheaper your contribution will be. You can therefore influence the amount of your insurance contribution on your driving behavior. If you also have one excess In case of damage, your insurance contribution will be reduced additionally.
Saving tip: When buying a car, consider the type class and collect diligently damage-free discount. For a cheap car insurance, you should also consider whether a deductible is eligible.
Comparison of car insurance saves money
The motor insurance market is highly competitive. Take advantage of this great competition and do not forget to compare car insurance. Often, insurers advertise discounts and / or classify new customers, for example, in a more favorable claim-free class. Thanks to the Internet, time-consuming research has long ceased to be necessary – and not even in the search for car insurance. Calculators help you get one Overview of the current offer To provide. With just a few clicks you can compare tariff details and conclude the cheapest car insurance with the right scope of services.
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