Car insurance comparison 2022

The best car insurance policies in the car insurance calculator.

If they have had the same car insurance for a long time, the change to another provider on the market very worthwhile. In the event of a rate increase by your old insurer, switching is even very Possible at short notice.

Find a cheaper competitor or, of course, a good offer for your new car with just a few clicks using our car insurance comparison tool. many of the providers have stood out positively in financial tests. The service is provided by verivox gmbh and its agents.

car-insurance-purchase-advice:
how to choose the right product from the above car insurance test or comparison

  • Changing car insurance can be worthwhile for a variety of reasons – a new car, increased premiums or inadequate benefits from the previous provider.
  • If your current car insurance company has increased the premiums, you can make use of your 1-month special cancellation right and take out a cheaper contract with the competition.
  • The conclusion of a motor vehicle liability insurance is obligatory for every car driver. It’s up to you to decide whether you also want to take out fully comprehensive or partially comprehensive insurance.

cheapest car insurance

According to a recent survey by statista from the year 2017 more than 78% of germans trust in classic car insurance. Less than 10% tend to have no confidence in the policies of the major providers.

In general, a comparison of the conditions is a sensible thing to do, as the prices for car insurance vary greatly from year to year. An offer that was a bargain last year may be outdated by now. accordingly, there are many reasons to change your car insurance policy. But how do you actually find the cheapest rate??

Our car insurance calculator 2021 / 2022 helps you navigate the tariff jungle and tells you which offers are really worth switching to another provider.

1. Only motor vehicle liability insurance or also comprehensive insurance?

If you want to take out car insurance, the first thing you think of is car liability insurance. This is compulsory in germany. By law, every vehicle owner must be able to pay in full for any damage caused by his car on the road with the help of his liability insurance.

In order to achieve this goal, the legislator sets clear requirements for car owners. So you have to property damage with a minimum amount of 50.000 euro, property damage with a sum of 1,12 mio. Euro and personal injury with at least 7.5 mio. Euro coverage.

car insurance costs second car insurance

In case of doubt, the costs of a good insurance for your car are always lower than without a corresponding protection.

These sums are also reached by all insurances without any problems. As a rule, the sum insured is even significantly higher for a standard car insurance policy.

However, a motor vehicle liability insurance policy comes only cover those claims that are incurred by the other party. Damage to your own vehicle must still be paid for by yourself.

This is where a comprehensive insurance helps you. This also covers damage to your own vehicle. Partially comprehensive insurance usually only pays for damage that has occurred without you being directly responsible for it.

These are for example:

  • Damage caused by wild animals (fox, deer, wild boar, etc.).)
  • Damage due to force majeure (floods, hail, storms, etc.).)
  • Material damage due to stone impact, short circuits, cable fire, etc.
  • Damage due to theft, fire or explosion

If this protection is not enough, you can pay an additional fee to cover any damage caused by martens by pets or vandalism in his partial coverage insurance include or directly take out a contract for fully comprehensive insurance.

Tip: fully comprehensive insurance also covers the damage you have caused to your car yourself. in this way, you will not have to pay anything extra yourself in any conceivable scenario.

2. What to look out for when changing insurance?

As mentioned above, a change of car insurance can be financially worthwhile in many cases. Often they can be amounts of save 600 euros or more per year, without having to fear losses in insurance coverage because of it.

2.1. Amount of coverage

The amount of the future coverage should be of great importance for your decision. So if you want to particularly high insurance coverage for motor vehicle liability if you attach importance to this, you should pay special attention to it when choosing a suitable provider.

Some advisors on the subject recommend the take out a lump-sum cover of 50 to 100 mio. Euro. Most providers on the market will provide this amount without further ado in the event of an insurance claim. However, an insurance sum of up to 50 million euros should be regularly insured. Euro will be sufficient.

2.2. Damage caused by animals

Why do martens bite through cables/hoses??

Martens destroy the interior of our engine compartments, especially in june and july. The reason for this is that the small predators simply feel comfortable in the warm spaces under the hood and like to bite hoses, insulation material and other rubber parts in order to mark "their territory" with their saliva.

In addition, you should always check carefully whether your comprehensive insurance also provides certain extras such as damage caused by a marten bite or a collision with an animal pays.

Particularly in the case of damage caused by marten infestation, you should make sure that not only the wiring is secured by the police, but also other vehicle parts are covered against destruction by the canine predator.

You should also find out whether your insurer covers covers damage caused by pets.

Most partial coverage insurances only cover costs that have occurred in connection with so-called "hairy game".

These are for example wild boars, foxes or deer. Dogs, cats or cows, on the other hand, are not "hair game". Who therefore if you want full protection against the effects of animals, you should choose a fully comprehensive tariff that does not stop at wild animals.

2.3. replacement value

car liability insurance comparison

With our car insurance calculator you can find a cheap car insurance and calculate your personal rate.

some comprehensive insurances in our comparison pay their insured value replacement in case their new car is damaged by a total loss resp. due to theft within the first 6 to 12 months completely loses its previous value.

So if you want to insure a new car, you should take out a police or. Choose a provider that covers offers the longest possible replacement value.

Tip: when insuring a new car, the replacement value should not be less than 6 months.

2.4. Protective cover

You need a car insurance policy if you have are frequently on the road in your own car on long journeys or abroad. Holders of the "Schutzbrief" receive comprehensive insurance cover in the event of accidents, breakdowns or theft.

In these cases, the motor insurance policy guarantees the recovery or. Towing of the damaged vehicle, the provision of a replacement car, immediate assistance in the event of a breakdown and much more, depending on the provider of the respective protection policy.

With many insurers, the protection insurance is already included as a fixed component of the motor vehicle liability contract. In some cases, however, the insurance policy must be applied for additionally. In this case, the car insurance companies charge a certain surcharge.

Note: the insurance does not normally cover services that become necessary in the vicinity of the insured’s home (50 km radius). The costs for a necessary repair are usually not covered either.

2.5. Policy with or without garage commitment

Here you have to decide whether you want to be insured in the event of damage or not have a specific garage specified by your insurer would you like to have, or would you rather have a free choice of your car mechanic instead?.

insurance comparison car motorcycle insurance

our car insurance comparison shows you where to find cheap private car insurance with good benefits in the event of a claim.

Who has a comprehensive insurance choose tariff without garage commitment, the car insurance companies regularly charge you for this higher premiums than customers who go to the repair shop specified by the insurance company in the contract.

But there you have to expect that the garage operator rather decide in favor of the insurance than vice versa.

2.6. no-claims class

One of the key criteria for the amount of your annual car insurance premiums is your individual no-claims class (sF class). This results from the period of time you have been driving without any accidents as the owner of a valid driver’s license.

With every year without an accident you will be upgraded one step higher. If, on the other hand, you have caused an accident with damages, you will be downgraded. the higher your no-claims class, the lower your premium payments will be.

Your current no-claims class you can find out either from your current car insurer or directly here:

Percentage to be paid no-claims class
ca. 230 % SF 0 (less than 3 years driving license)
ca. 140 % SF 1/2 (more than 3 years driving license)
ca. 100 % SF 1 (1 year without damage)
ca. 85 % SF 2 (2 years without damage)
approx. 70 % SF 3 (3 years without damage)
approx. 60 % SF 4 (4 years without damage)
ca. 55 % SF 5 and 6 (5-6 years without damage)
ca. 50 % SF 7 and 8 (7-8 years without damage)
ca. 45 % SF 9 to 11 (9-11 years without damage)
ca. 40 % SF 12 to 15 (12-15 years without damage)
approx. 35 % SF 16 to 21 (16-21 years without damage)
ca. 30 % SF 22 to 27 (22-27 years without damage)
ca. 25 % SF 28 to 33 (28-33 years without damage)
ca. 20 % SF 34 and 35 (34-35 years without damage)

2.7. garage or. mileage discount

Furthermore, some comprehensive insurance companies grant discounts to their customers if either the car is driven particularly little or the vehicle is parked in a garage – which is always well secured. Who therefore relatively if you don’t travel much with your car, you should choose a tariff that offers a high mileage discount offers.

Keeping your car in a lockable garage can also save you money. Who regularly parks his vehicle in a garage if you protect your vehicle against theft, vandalism, storm and hail, your insurer will often give you a garage discount.

Attention: if you declare a too low annual mileage at the conclusion of the contract and exceed it later on, you have to report this to your insurer. Otherwise there are high contractual penalties.

2.8. Gross negligence

price comparison car insurance

If you want to change your car insurance online, you are guaranteed to find a cheap car insurance for your car in our insurance comparison.

Whether or not you are covered for damage caused by "gross negligence" also affects the amount of your premiums. Often such damages are excluded from the scope of benefits of the insurance from the outset or the compensation is reduced accordingly.

In addition, many insurers are extremely strict about the definition of the term "negligence concerns. For example, if you pick up your cell phone to check on a missed call and have an accident, many insurers consider you to have acted with gross negligence and will therefore only be compensated for part of the damage, or even no compensation at all no compensation received.

Make sure that your comprehensive car insurance covers damage caused by "gross negligence". In case of doubt, contact your insurance company.

2.9. Number of insured drivers

Of course, the number of expected drivers also affects the level of insurance premiums. If, for example, your adult children also want to use their car, this is what you must state when you take out your motor insurance policy.

Unfortunately, this increases the recurring premiums to a certain extent, so that such an extension of the tariff is only worthwhile if a partner or offspring really uses the car on a regular basis.

3. What savings tips are there for customers?

Here we have summarized some of the ways in which you can save money when taking out car insurance can:

3.1. If you estimate your annual mileage correctly

The premium surcharges are levied in stages. If you know the limits, you can take advantage of them by initially specifying the mileage slightly lower than expected. Because the less you drive, the lower the risk of an accident and the lower the insurance premium.

3.2. Waive the free choice of repair shop for comprehensive insurance

If you follow some of these tips, you can soon save a lot of money on your insurance policy.

This only makes sense if the car is still covered by the manufacturer’s warranty or is leased. If the insurance company determines the repair shop, you save an average of 5.9%.

3.3. Pay your car insurance premiums annually

For semi-annual payments, a surcharge of 3 – 4 % is due, for monthly or quarterly payments it is on average 8 %, but sometimes even more than 10 %.

3.4. Reduce your premiums as a novice driver

If you have your car insured as a second car of your parents, where you are registered as the driver, you will be classified in a higher no-claims class and will pay less.

Some insurers also offer special family rates if your parents are already insured with the same company. However, you have to ask for these rates directly, you won’t find them in online comparisons.

Tip: there are further discounts for participants in accompanied driving.

3.5. in case of more than one driver, specify the dates of birth of the youngest and the oldest driver

In this way, the circle of drivers is extended to all people whose date of birth falls in between. This way, additional people can also use the car without any problems. The amount of the premium is usually based on the youngest driver, but it differs from insurance to insurance. so compare different offers here!

In this video 5 most persistent myths clarified with regard to motor vehicle insurance:

4. When can you cancel your old car insurance policy??

If you have found a cheaper insurance policy for your car using our car insurance calculator, you should make sure that you use the meeting the cancellation deadline of your old car insurance policy. Here you can find a template for cancelling your current car insurance policy.

Usually, the current insurance policy can be used for the so-called "insurance of the vehicle" main due date, usually the 1. January, with a notice period of one month cancelled. The old insurance policy must be cancelled by the end of november at the latest, so that a change can be successful. you can also change your provider if

  1. have their premiums increased,
  2. you have sold your car,
  3. your car was deregistered or immobilized or
  4. A loss has occurred.

Here we have main advantages and disadvantages of switching providers for you:

    advantages
  • High savings on premiums possible
  • Better insurance cover/service
  • Possibility to adjust the policy to changed life circumstances
    disadvantages
  • cancellation or. Switching is not always possible
  • overview of rates and policies very difficult

6. What does stiftung warentest say about car insurance??

financial test(10/2016) has in a large-scale motor vehicle insurance test almost 160 tariffs from over 70 insurance companies compared with each other and then the best car insurance chosen.

Here the tochtermagazin of foundation warentest selected several winners for different consumer groups in each case. Overall, the providers allsecur, an insurance offered by allianz, the baden badener and the DA direct good results for almost all age groups tested.

In contrast to comprehensive insurance, you can deduct the premiums for motor vehicle liability insurance as special expenses for tax purposes.

According to finanztest should people of advanced age rely on the insurance coverage of direct line trust.

According to finanztest both special groups received by far the best service for relatively low premiums.

Also the financial magazine focus-money(09/2015) took a closer look at the rates of several car insurance companies and found a car insurance test winner chosen.

the internet magazine of the tv station n-tv recommends among others the car insurances of cosmos directly the direct insurance of the savings bank , the hannoversche and VHV and DEVK .

7. conclusion

As a basis for our car insurance comparison, we have taken the results of the above tests compiled and compared with each other. We compared the test winners of the respective insurance comparisons for cars on the basis of a price comparison and the benefits offered in the event of an insured event.

For our car insurance test, we used an mid-40s family man with wife and 17-year-old child selected. In our example, the entire family wants to drive the insured car.

fully comprehensive insurance

If you are at fault for causing an accident, you will unfortunately be downgraded by your car insurance company by a few percentage points.

we have in the kfz-versicherung test a motor vehicle liability plus partial casco selected and for this deductible of 150 euros agreed.

we have indicated the SF class as 11. Both the DEVK as well as direct car insurance of the savings bank do best.

With a annual contribution of just 743,41 euro resp. 847,86 euro neither insurer needs to hide behind its competitors. The next best insurance company in this constellation already charges almost 100 euros more.

Sparkasse car insurance also has interesting offers for new drivers. Although an initial insurance is always extremely expensive, gets there even a young driver can get first-class protection at moderate prices.

Also the policies from cosmos direkt and direct line offer high-quality insurance protection for vehicle owners who do not want to dig too deep into their pockets.

Nevertheless, we would like to point out that these are only recommendations for certain types of customers. For the most accurate quote possible, you should take a few minutes to look at the above feed the insurance calculator with your personal data.

You can find product comparisons relating to motor vehicles in our car category.

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Christina Cherry
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