car insurance (2021): the best rates in comparison
Just in time for the changeover in november 2021, many car insurance companies are lowering their prices. our comparison shows: you can save hundreds of euros! >> more about car insurance
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Which insurer is the cheapest? When changing, there is more to consider than just the price. That’s why AUTO ZEITUNG has made the big comparison of car insurances. These benefits must absolutely be part of the car insurance and these are the best rates 2021!
Just in time for the changeover season, many car insurance companies are lowering their prices. Our exclusive insurance comparison shows that most drivers can save hundreds of euros a year with a new car insurance policy if they compare. Because the costs of driving a car are like those of a racing driver approaching a curve. He has to step on the brakes. He has no other choice. Many drivers are currently experiencing the same situation: the costs for their own cars are rising and rising at the gas station or the repair shop. And soon the bill for car insurance will come too. It’s time to put the brakes on costs. Autumn is a particularly good time for insurance companies to do this, because every year providers lower their prices to attract customers who are willing to switch. For example, the price of an average liability insurance policy in September was already twelve percent lower than in July. our exclusive comparison also shows that changing insurance can often save you hundreds of euros. In addition, the comparison portals on the internet facilitate transparency in what is actually a confusing market with well over 300 tariffs from the comfort of your sofa at home. However, when looking for the car insurance bargain, be careful not to step too hard on the brake pedal. Even a racing driver only brakes as much as necessary. In our case, the savings should not be at the expense of the benefits. Because how much support you get after a car accident depends crucially on the respective car insurance tariff. That’s why, together with the comparison portal check24, we have not only determined the ten cheapest car insurance policies for seven typical drivers, but also the most expensive ones. For each tariff in the comparison, you will also find the seven most important services. And to make the search for the best car insurance even easier, we have chosen a price-performance winner for each scenario. More on the topic: find the best car insurance here
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The type classes of car insurance explained (video):
comparison: these are the best rates for car insurance (2021)
But when are you allowed to brake at all, i.e. change the insurance of your car?? When is the best time to compare car insurance and find the best rates?? Most contracts are valid for one year and then renew automatically. Anyone wishing to change their car insurance must therefore give written notice of termination at least one month before the end of the contract. Since most insurance policies expire on 31. December end, is the 30. November is the important deadline. But beware: some car insurers rely on flexible contract terms. so you better check your insurance documents again. Buyers of new or used cars can change their car insurance at the same time as buying a new car. If the premium becomes more expensive, there is also a special right of cancellation. It is sufficient if only one premium is paid such as liability has been increased. But here, too, you shouldn’t take too long to switch: a one-month notice period begins when you receive your current bill.
The most important benefits of a car insurance policy
If you are looking for a new comprehensive insurance policy when comparing the best car insurance policies (2021), the question of a rate with a fixed repair shop quickly arises. Such policies entice you with premiums that are up to 20 percent lower than in and that with the same benefits. But in the case of contracts with a fixed repair shop, the insurance company determines the store where your car will be repaired. If you don’t take the vehicle to one of the provider’s partner garages, you will either have to pay part of the repair costs- or you will have to pay the rest or they are subsequently reclassified to a more expensive tariff. Conflicts can also arise with financed or leased vehicles, as the car manufacturers prescribe their repair shops. Discount protection, on the other hand, is aimed at drivers with a high personal no-claims class (SF class). With this classification, insurers reward their accident-free customers: For each year without a reported accidental damage claim, they receive a higher class, and the premium becomes lower. However, if the insurance company has to pay after an accident, you will be downgraded the premium rises again. With discount protection, however, the SF class remains unchanged: small hitch: the protection also serves as a customer loyalty tool. If you change your car insurance, the old insurer will inform the new one of the regular lower SF class. A so-called mallorca policy, on the other hand, is of interest to travelers who frequently use rental cars. In the event of accidents abroad, the minimum liability coverage of the respective country applies and these are usually much lower than in germany. In the worst case, you have to pay the rest out of your own pocket. unless your tariff includes a mallorca policy. They cover the difference between domestic and foreign liability insurance.
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What to look for in a car insurance policy
When looking for the best car insurance (2021), there are important things to consider. Not only abroad, but also in Germany, you can be left with part of the repair costs for your own car after an accident despite hull insurance. For example, if you ate something at the wheel. Because this can be interpreted as gross negligence. Then, depending on the severity of the fault, you will have to pay a proportionate share of the damage. It is not unusual for such cases to end up in court. You should therefore make sure that your insurance company waives the objection of gross negligence. The special equipment included in the insurance can also cause problems. For example, many insurance companies will replace damaged or stolen accessories. However, only parts that are permanently connected to the vehicle, such as retrofitted audio systems, are considered optional extras. Mobile navis or dashcams are not part of it. Owners of new cars should also make sure that their new price compensation is as long as possible. In the event of a total loss or theft, the insurance company will only reimburse the current market value of the car and after just a few months, this is significantly less than the purchase price. However, if your tariff includes a new price compensation, the insurance company will pay the full price. After marten bites, insurance can also help. However, many insurers only reimburse direct damage caused by predators- about a bitten through hose. But the consequences are much worse: in extreme cases, this can lead to expensive engine damage. If the martens are in and out of your car, it is advisable when comparing insurance policies to find an insurance policy that also covers the consequential costs of the bite attacks.
Partial or fully comprehensive insurance?
When choosing a new car insurance policy (2021), the question often arises as to whether to opt for partial or fully comprehensive cover. Comprehensive insurance protects your own car, while the legally required motor vehicle liability insurance covers all damage caused to others by your vehicle. Partially comprehensive insurance covers repair costs in the event of fire and weather damage, as well as accidents with deer. If the car is stolen, the insurance also covers it. Glass breakage damage is also covered by the partial casco. Fortunately, the police will often pay for the entire repair of a stone chip without deductible. If you are looking for all-round protection for your own car, you have to choose fully comprehensive insurance. It includes partial casco, but expands it in many areas. This insures the car not only against theft, but also against vandalism especially recommended for fabric-roof convertibles. In addition, the fully comprehensive insurance covers parking damage. Particularly important: in contrast to partial casco, it includes accidents caused by the driver’s own fault, which are the result of incorrect behavior or misjudgement.
Low-priced insurance through monitoring by the insurer?
A piquant offer from some car insurance companies (2021): have your driving behavior checked by the insurance company and thus save money. You can get a discount of up to 30 percent if you allow the insurance company to document and evaluate your own driving behavior. The data collected by the insurer varies depending on the provider: this usually includes speed and heavy acceleration and braking. Many insurers also log the type of road or the time of day. There are significantly more accidents in built-up areas and at night the risk increases. Insurance companies also take a very dim view of smartphone use while driving. With some providers, policyholders can decide for themselves which trips they want to log. You only have to travel a certain minimum distance. The data is recorded via an app on the smartphone; most insurers also use a small plug or sensor. This is either stuck to the windshield or plugged into the twelve-volt socket. Those who perform badly do not get a discount or only a smaller one, but do not have to fear an increase in the insurance premium. Telematics offers are therefore particularly interesting for younger novice drivers who have to pay expensive premiums.
Car insurance
>> here find the best car insurance
car insurance (2021): the best rates for commuters
scenario: 35-year-old homeowner from erding, single, no children, drives his VW golf 2.0 TDI 20.000 kilometers per year, carport parking, 10 years accident-free, 500 euro fully comprehensive deductible.
The best providers: the commuter drives cheapest with WGV. As the price-performance winner, HUK24 offers longer new price compensation and extensive marten protection for 33 euros more per year.
Comparison of insurance rates for commuters: PDF download
Motor insurance (2021): the best rates for families
scenario: 40-year-old homeowner from mainz, married, two children, drives his ford S-MAX 2.0 ecoblue 15.000 kilometers per year, carport parking, 15 years accident-free, 300 euro fully comprehensive deductible.
The best providers: here, the household budget is most pleased with HUK24. In addition, the tariff also includes extensive benefits with good marten protection and unlimited co-insured special equipment.
Insurance rates for families in comparison: PDF download
car insurance (2021): the best rates for novice drivers
Scenario: 20-year-old tenant from Munster, single, no children, drives his used opel corsa 1.4 12.000 kilometers per year, street parker, 2 years accident-free, 300 euro deductible.-deductible.
The best providers: beginners are unpopular with many insurance companies and therefore have to pay high premiums. But the savings potential is also enormous especially with bavaria direkt, which also provides good benefits.
Comparison of insurance rates for novice drivers: PDF download
car insurance (2021): the best rates for seniors
Scenario: 65-year-old homeowner from gera, married, no children, drives his mercedes GLB 180 7000 kilometers a year, garage parking, 35 years accident-free, 500 euros fully comprehensive deductible.
The best providers: the senior citizen is spoiled with many high-performance tariffs. WGV offers the most favorable rate. HUK-coburg scores with even better marten protection and unlimited special equipment coverage.
Comparison of insurance rates for senior citizens: PDF download
car insurance (2021): the best rates for electric car drivers
Scenario: 50-year-old homeowner from karlsruhe, married, one child, drives his renault zoe R110 10.000 kilometers per year, garage parking, 25 years accident-free, 300 euro fully comprehensive deductible.
The best providers: double victory for HUK24: not only does it offer the cheapest rate by 24 euros per year, it also impresses with its generous benefits package, including two years of new price compensation for the electric car.
Insurance rates for electric car drivers in comparison: PDF download
car insurance (2021): the best rates for bargain hunters
Scenario: 45-year-old tenant from berlin, single, no children, drives his hyundai i20 1.2 10.000 kilometers per year, street parker, 20 years accident-free, 500 euro partially comprehensive deductible.
Best providers: a dream for penny-pinchers: HUK24 insures the small car for less than 200 euros a year. For 38 euros more, nexible offers significantly more benefits, such as 30 months of new price compensation.
Insurance rates for bargain hunters in comparison: PDF-download
Motor insurance (2021): the best rates for all-round policyholders
Scenario: 55-year-old homeowner from hamburg, married, no children, drives his BMW 530d 25.000 kilometers per year, garage parking, 30 years accident-free, 500 euro fully comprehensive deductible.
The best providers: With the strong premium rates, you can save a lot of money with WGV. HUK-coburg offers the best overall package, including unlimited coverage for special equipment.
Comparison of insurance rates for people with all-round insurance: PDF download
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alt="by markus bach" />by markus bach
In view of rising maintenance costs, it’s worth looking for and comparing new car insurance. triple-digit sums can often be saved at the end of the year. However, the search for a bargain rate must not be at the expense of the benefits because the true value of a policy only becomes apparent after an accident. And if you’re afraid of switching, you should ask your current provider about new rates or discounts.