Until 30. november you can change your car insurance. Compare car insurance here and now and save money when you change your car insurance – up to 850 euros can be saved. We reveal which components a cheap car insurance should have, how to find the best car insurance for your car and how to cancel and change your car insurance in time. The most important facts in brief, plus exciting tips and recommendations, are given right at the beginning!
compare car insurance – recommendations& tips
car insurance – the most important facts in brief
car insurance comparison: the best rates
Product recommendation: the test winner DA direct* offers individual tariff compilation for policyholders. According to "finanztest" issue 11/2021, DA direkt is "far better than average" in all tariffs for drivers of all age groups. AXA* insures drivers of all ages particularly favorably in the "mobil online (S)" tariff. The premium level at huk24 is also "far better than average" in the "basis" tariff for drivers of all ages. cosmosdirekt for experienced drivers up to 60 years of age and verti for experienced drivers and senior citizens also offer good value for money. WGV’s "basis" tariff is also worth a look for senior citizens.
What distinguishes the different car insurance policies in detail, we tell you in our detailed car insurance comparison. In the following, we will first give you some helpful tips for your car insurance: what do you have to pay attention to when taking out car insurance) when should you opt for fully comprehensive and when for partially comprehensive?? And where to find cheap car insurance?
Note: in our test of the best car insurance policies, we compare the insurance rates of different providers. Experience shows that car insurers make further significant changes to their rates toward the end of the year in order to attract new customers. Against this background, we update our test in the last quarter of each year – you can find out more about this in our test conditions.
Video: 7 important tips for car insurance
Drivers have a wide range of options when it comes to insuring their vehicles. Finding a suitable provider is difficult, as is the selection of suitable components for your own car insurance. In our video guide, we give you 7 important tips on what you should pay attention to when insuring your car and yourself as a driver: watch the video now!
then subscribe now to our youtube channel! We regularly produce new guide videos all about the topics stock exchange, investment and finance. as a subscriber, you will be informed immediately when a new explanatory video is released – so you won’t miss a thing!
Which car insurance? This is important!
A must for every motorist: car liability insurance
Without car insurance, or more precisely, without car liability insurance, there is no registration in germany. motor liability forms the basis of every car insurance policy, it is a compulsory insurance and is required by law.
In the event of an accident, motor vehicle liability settles third-party claims, i.e. property damage and personal injury caused by you as the driver of the vehicle. It covers, for example, damage to a road sign, the wall of a house or another car. In addition, it also covers you if, for example, you hit a pedestrian or if other motorists are injured in an accident. Auto liability insurance does not cover the repair of your own vehicle.
the general conditions for auto liability are set by law: liability insurance must cover personal injury of at least 7.5 million euros, property damage up to 1.12 million euros and property damage up to 50 million euros.000 euros must be insured. These limits are laid down in the compulsory insurance law.
Peter grieble, an insurance expert at verbraucherzentrale baden-wurttemberg, advises policyholders not to skimp on coverage under any circumstances. "motorists should always choose as high a sum insured as possible in order to cover themselves against all risks." for a small difference in premiums, motor vehicle owners received comprehensive protection.
our recommendation: the tariffs tested in our comparison all offer at least 12 million euros of coverage per person. The total amount of coverage for motor vehicle liability should be at least 100 million euros.
Partial and fully comprehensive insurance as a supplement to your car insurance policy
In order not to have to pay for damage to your car out of your own pocket, you should take out comprehensive insurance. You have the choice between partially comprehensive and fully comprehensive insurance.
first things first: both fully comprehensive and partially comprehensive insurance cover damage to your own car – only the scope of insurance differs.
The partially comprehensive policy insures your car against glass breakage and storm damage such as storms, hail, lightning or flooding. In addition, you are insured against theft of your car or its parts with partial casco. In addition, some partial hull policies also cover damage caused by hairy deer, martens and cables.
Partially comprehensive insurance usually insures you for
The fully comprehensive insurance in contrast to the partially comprehensive policy, offers an all-round carefree package and thus even more comprehensive protection. For example, it will also pay for the damage to your car if you yourself are at fault in an accident. In most cases, however, this comprehensive protection of fully comprehensive insurance will cost you as a motorist significantly more than a partially comprehensive insurance policy.
But which insurance is the right one – fully comprehensive or partially comprehensive?? this depends in particular on the age and value of your car. If your car is more than five years old, fully comprehensive insurance is usually no longer worthwhile and your vehicle is optimally protected with partial comprehensive insurance.
Tip: if you live in a rural area or park your car outside, you should make sure that your comprehensive insurance covers marten damage. check the insurance conditions carefully here. some providers only partially cover damage to hoses and wiring as a result of a marten bite.
Important tariff features for your car insurance
You are obliged to have liability insurance, but it is up to you which liability insurance you choose. Our insurance test shows: motorists have a number of options when it comes to liability insurance rates for their car, which they can use to individualize their coverage. You can also tailor your partial or fully comprehensive insurance to your life situation and save a few euros depending on the options you choose.
The most important key figure is the coverage amount. This way you determine up to which amount your insurance will be liable for you. We recommend that you choose the highest possible coverage amount. Because then you are prepared for all eventualities.
Also important is the deductible. This indicates how much of the costs you will have to bear yourself in the event of a claim.
our recommendation: choose a low deductible to avoid unnecessary costs in the event of a claim. Because damage to a car often happens unintentionally and unexpectedly. With a low deductible, you ensure that you can pay the premium yourself in any case.
Also, make sure that your comprehensive insurance covers the following gross negligence also insured. Many car insurers offer this additional protection at no extra charge. And it’s worth it: you are also covered for accidents caused by your own negligence or gross negligence. Common exception: accidents caused under the influence of alcohol or drugs.
Important for an insurance protection on vacation is also the mallorca policy. This additional protection covers you if you are driving someone else’s vehicle, for example a rental car on vacation, and cause an accident with it. You shouldn’t neglect this extra protection, because in some countries the scope of insurance is smaller and the statutory minimum coverage is sometimes significantly lower than in germany – you can also find out more about the indispensable benefits of car insurance in our guide video "7 important tips" earlier in this article.
All insurance terms such as coverage amount, comprehensive insurance or no-claims bonus class are explained in detail in our insurance lexicon.
How not to make your car insurance unnecessarily expensive
As an insured, you have the choice of paying your policy once as a total amount or in monthly installments. However, the second option can be much more expensive than the first one!
Example: an expensive car insurance policy may cost you 800 euros a year. If you do not pay this all at once, but in quarterly installments, the same policy can cost 220 euros per quarter. 220 euro * 4 rates but results in an amount of 880 euro. You will pay a surcharge of ten percent. According to a study by spiegel wirtschaft, the premium for quarterly types is just under nine percent. If you decide to pay monthly, it can be even more expensive: then even more than ten percent surcharge is possible. So if you are looking for the cheapest rate, make sure that this only applies if you opt for the annual payment method. For monthly payments, a quarter of the price is added as an extra charge.
car insurance calculator – did you know??
On the way to your new car insurance, a car insurance calculator will also help you. With the help of such a tool, you can individually "calculate" the right car insurance for your vehicle and your driving behavior.