There are numerous offers, tariffs and scopes of benefits on the market. Finding the right car insurance rate can be very time-consuming and sometimes complex.
However, with the car insurance calculators of our recommended comparison portals you can get an overview and concrete benefits.
We have the two largest portals examined more closely:
1. Check24 car insurance
- 52 insurers in price and performance comparison
- customer rating 5 / 5 (source)
2. Verivox car insurance
- 34 insurers in price and performance comparison
- customer rating 4.8 / 5 (source)
Why do we list several portals?
- no comparison portal lists all car insurance offers.
- Only one price query on a portal does not necessarily guarantee the cheapest offer.
- By consulting various comparison portals, you can reduce the risk of unnecessarily expensive tariffs.
- We recommend the combination of comparison portals (CHECK24 and verivox) and a direct provider, which is based on none of the portals is represented with a price (z.B. HUK24).
practice-tip: use several comparison portals and compare their rates.
car insurers on comparison portals
Overview, which companies are represented on the comparison portals:
legend:
PL = comparison by price and performance; L = comparison by performance; N = not participating; O = not specified
| ADAC car insurance | PL | N |
| adcuri | PL | PL |
| admiral direct | PL | PL |
| AIG europe | PL | PL |
| allianz | L | N |
| allianz direct | L | N |
| old leipzig | PL | PL |
| AXA | PL | PL |
| barmenia | PL | PL |
| barmenia direct | PL | PL |
| basler | L | N |
| bavaria direkt (VKB) | PL | N |
| bettergreen | PL | O |
| BGV | badische versicherung | PL | PL |
| concordia | PL | PL |
| condor | PL | PL |
| confidon (aurum PROTECT) | PL | O |
| continental | L | N |
| cosmos direct | L | PL |
| DA direct | PL | PL |
| DBV | PL | PL |
| debeka | L | PL |
| DEVK general | PL | N |
| DEVK railroad | PL | N |
| DIALOG | PL | PL |
| the bavarian | PL | PL |
| emil insurance | L | O |
| ERGO | PL | PL |
| ERGO direct | O | O |
| europe | PL | PL |
| europago | PL | PL |
| driving instructor insurance | L | N |
| fire insurance berlin brandenburg | L | N |
| freeyou | PL | O |
| friday | PL | PL |
| generali | O | O |
| GHV darmstadt | L | O |
| gothaer | PL | PL |
| green insured | PL | O |
| GVV municipal | O | N |
| GVV private | PL | N |
| hamburger fire fund | O | O |
| hannoversche direct | O | N |
| hansemerkur | PL | PL |
| HDI/talanx | PL | PL |
| helvetia | PL | O |
| HUK-coburg | L | N |
| HUK-coburg oD | L | N |
| HUK24 | L | N |
| itzehoer insurances | L | N |
| janitos | PL | PL |
| kravag | PL | PL |
| lippische | PL | PL |
| LSH insurance | O | O |
| LVM | L | N |
| mannheimer continental | L | N |
| mecklenburg | L | PL |
| munich association | PL | N |
| nexible | PL | PL |
| nurnberger general | PL | PL |
| nuremberg civil servants | PL | PL |
| nuremberg guarantee | PL | PL |
| public oldenburg | L | N |
| public insurance braunschweig | L | PL |
| one insurance | PL | O |
| oSA insurances | PL | PL |
| pangaea life | PL | PL |
| prokundo | PL | PL |
| provincial northwest | L | O |
| provincial rhineland | L | O |
| R+V | PL | PL |
| R+V24 | PL | PL |
| rheinland insurances | L | PL |
| rhion.Digital | L | PL |
| saarland insurances | L | N |
| signal iduna | PL | N |
| savings banks direct insurance | PL | PL |
| SV saxony | L | N |
| SV savings bank insurance | L | N |
| toyota insurance service | L | O |
| universa | PL | PL |
| chamber of insurance bavaria | L | N |
| verti | PL | PL |
| VGH insurances | L | N |
| VHV | PL | PL |
| VoDAG | PL | N |
| volkswohl bund | PL | PL |
| VRK | PL | O |
| westphalian provincial | L | N |
| WGV | PL | PL |
| WGV sky blue | O | O |
| WuBA (AIG europe ltd) | O | O |
| Wurttembergische insurance AG | L | N |
| WWK | L | N |
| zurich | L | N |
Sources: own research at check24& verivox. Stand 26.01.2021
With each comparison portal, numerous data are requested in advance so that the appropriate rates can be offered.
This includes the following information, which you should ideally have available:
- car model
- Pitch
- Annual kilometers
- Personal data
- Driver information
- Pre-insurance
Practice Tip: be as precise as possible when entering the data in advance, so that the best possible rate can be shown to you.
In our guide to car insurance
What are the key features of a good car insurance policy??
For a good protection in the car insurance, it is best to pay attention to important tariff features.
We have based this on the options available on the car comparison portals.
important tariff features car insurance
| for third party liability | |
| mallorca policy | to ensure the same amount of liability insurance for a rental car in european countries. Hardly any providers still charge extra for this today. |
| Higher coverage amounts | tariffs with 50 or 100 million € sums insured for coverage even in very expensive, as serious accidents. Most plans offer increased coverage at no additional charge. |
| With the comprehensive insurance | |
| gross negligence | gross negligence also covers self-inflicted damages, such as. an accident after driving through a red light. However, gross negligence does not include coverage for alcohol and drug consumption as well as for theft caused by gross negligence. |
| Marten consequential damage | an extension of the otherwise often limited consequential damages for marten bites to 3.000 €. Hose damage in particular can cause serious damage to the engine and be costly. offered in most tariffs without additional costs. |
Source: own research.
Furthermore, there are numerous features which are justified under certain conditions, but which are not recommended by us as standard.
Nevertheless, each policyholder must always compare the standard recommendations with individual needs.
Less important car insurance rate features
| less important | |
| discount protection | this way you keep your no-claims class and the associated discount permanently. However, this makes it more difficult or impossible to switch in the future. More expensive. |
| Extended game damage | partial casco normally only pays out in the case of hair-raising accidents(v.A. deer and wild boar). Depending on the living environment and driving habits, the options "extended damage caused by game" and "animals of all kinds" are recommended. |
| car insurance | this covers assistance in the event of a car breakdown, such as towing and overnight costs. Depending on the insurance policy, rental cars, repatriation, medication abroad or funeral and repatriation costs in the event of a fatal accident are also covered. In the case of a new car, the manufacturer’s mobility guarantee often exists. |
| Driver insurance | useful for frequent drivers without disability or accident insurance. this can cover loss of earnings and compensation for pain and suffering. |
| Waivable | |
| passenger accident insurance | the motor vehicle liability insurance of the person who caused the accident or your own insurance usually already covers this benefit. In other cases, traffic victim assistance is usually helpful. |
| driver accident insurance | driver protection insurance already covers most benefits. The actual damage is often dependent on the amount of coverage and the degree of disability. |
| Free choice of repair shop | the tariff becomes cheaper if the insurer chooses the repair shop. For vehicle owners with a valid manufacturer’s warranty and lessees, the free choice of repair shop is again very important. |
What does car insurance cover??
A motor vehicle liability insurance is mandatory by law for every vehicle owner.
motor vehicle liability insurance covers property damage and personal injury caused by the vehicle to third parties. the following damages must be covered with the following minimum sum according to the legal regulations:
| personal injury | 7.5 million € |
| property damage | 1.12 million € |
| property damage | 50.000 € |
partial or fully comprehensive insurance are in turn voluntary and can also cover damage to the customer’s own car, as this is not covered by vehicle liability insurance.
The fully comprehensive tariffs cover almost all cases of damage to the vehicle, even the self-inflicted. As a result, the partially comprehensive rates cover only a subset of the fully comprehensive rates. This generally includes damage for which you are not responsible:
| theft |
| glass breakage |
| marten bites |
| weather extremes |
| fire and explosion |
| collisions with game |
| cable damage due to short circuit |
With many car leasing offers, fully comprehensive insurance is even a mandatory requirement for the conclusion of the contract. For certain drivers, fully comprehensive insurance can even be cheaper than a partially comprehensive rate: this applies to people who have been driving for at least 3 years without a claim and live in a region with a favorable regional class.
The regional class regulates on an annual basis how claims compare to the national average. In 2020, the district of uckermark in Brandenburg is particularly favorable, whereas large cities and the state of Bavaria are relatively expensive.
The so-called no-claims bonus accident-free policyholders are only granted coverage for fully comprehensive insurance, which explains why rates are sometimes more favorable. For partial casco, they are always 100 %, but damage does not affect future premiums.
Practical tip: the higher the vehicle value, the more advisable comprehensive insurance is. Expensive new cars should be insured on a fully comprehensive basis.
Generally, you should cancel before the usual deadline for cancellation on 30. November check a car insurance change. Providers often offer favorable conditions here. You must give notice of cancellation and take out a new tariff by the deadline at the latest. This then becomes the 01.01. of the new year effectively.
Practical tip: after each claim settlement you always have a special right of termination.
How to save on car insurance?
Your individual risk profile, i.e your calculated risk of damage, is decisive for the costs of the car insurance. The data and information used by the insurance company to draw up the risk profile are crucial for this. Update the information in case of change by notifying your insurer.
With the right information, you can save. However, this does not cover false declarations. These are punishable by law if committed intentionally.
With deductible, lower premiumYou pay for the damage yourself up to the amount of the deductible. Insurers pass on the savings in administrative costs to their customers in the form of corresponding premium discounts. Important orientation values are:
- For partial casco: approx. 150 € deductible
- For the fully comprehensive insurance: ca. 300 € deductible
Few drivers: life partners are usually included in the insurance at no extra cost. Basically, the more drivers, the more expensive the premium.
Accurate estimation of the annual mileageThe longer the distances driven, the greater the risk of an accident. When it comes to mileage, it is still worthwhile to estimate defensively rather than generously adding to it. Because the more kilometers you declare, the more expensive the insurance premium will be. And you can always re-register. 15.000 kilometers per year costs on average 8 percent more than 10.000 kilometers. 20.000 are on average 12 percent more expensive than 15.000 kilometers, and 25.000 costs another 13 percent more than 20.000 kilometers per year. This is what our characteristic study from the year 2020 revealed.
Annual premium payment: an annual payment is worthwhile compared to half/quarterly payment. Providers with monthly payments, on the other hand, are extremely rare.
Take advantage of special employee ratesSome providers offer special conditions for employees of selected companies. If your employer is listed on comparison portals when searching for providers, use this option.
Insure novice drivers through their parentsthe classification in the no-claims class 0 for novice drivers increases the premiums considerably. It therefore makes financial sense to register a second car (see insuring a second car) through your parents, with a later transfer of the no-claims class.
Telematics tariffsThe digitally measured driving behavior determines the insurance costs for telematics tariffs. In simple terms: the more carefully you drive, the cheaper the tariff (up to 30 %). However, there are limits to the discounts that can be achieved, even with careful driving. In addition, numerous data are transferred to the insurer by default, even if they are to be evaluated anonymously.
Workshop commitmentThe rate becomes more favorable when the insurer selects the repair shop. For vehicle owners with a valid manufacturer’s warranty and lessees, the free choice of repair shop is very important. Pay attention in advance to the next available partner workshop of the insurer.
reactivate no-claims bonusAfter a long period without insurance, the old no-claims bonus can be reactivated when taking out a new car insurance policy. The deadlines of the insurers for this are individual.