Car insurance can be cheap – at least when it comes to premiums. Extensive benefits in motor vehicle liability, partial or fully comprehensive insurance, however, are part of the desired package. On the way to cheap car insurance, there are many tips& tricks to help you. Get smart – and learn what’s important when comparing your car insurance.
car insurance is cheap if you get all the benefits you need. And if you pay the best price for it. You can make comparisons on the relevant portals. And calculate exactly for your car how much third-party, partially comprehensive or fully comprehensive car insurance will cost you.
Your premium is calculated on the basis of numerous factors – and affordable car insurance is an individual benefit package. So for you as a beginner driver maybe means: a cheap car insurance is the one where I pay the least money. For other family members who want to insure a second car, it is cheap to take the same insurance as for the first car – because the insurance company offers a more favorable SF class on request. There is no such thing as a cheap car insurance for everyone. However, here are some tips on how to get cheap car insurance& tricks.
Car insurance: these factors determine your car insurance premiums
Are you driving a sports car – or a small used one because you’re a novice driver?? Do you live in the city or in the country?? How long do you have your driver’s license? These features and more than 50 others are used by your insurance company to calculate your premium.
Take a look at the most important features so you know:
- Type class: which cars cause how many accidents? the statistical risk for your car model counts.
- Regional class: the driving behavior of drivers in the registration district is a factor. There is a separate claims record for each region.
- motor vehicle liability, partial or fully comprehensive insurance: minimum is the motor vehicle liability – the legislator makes this mandatory. Voluntarily insured benefits for the assumption of damage to your own car increase your premium.
- Driver age: accident statistics show that drivers with less experience – often novice drivers – are more prone to accidents. This risk also increases your premium.
- driver class: in the contract you specify who drives your car. The more drivers, the greater the risk – and the higher your premium.
- no-claims bonus: the no-claims bonus is granted by your car insurance company. It depends on your SF class – your no-claims class. The no-claims class is the sum of your insured years without a regulated accident. A higher no-claims class leads to lower premiums.
- annual mileage: those who drive more have a higher risk of claims. That’s why a lot of miles per year increases your premium.
- Residence: your place of residence is important for the classification in your valid regional class.
- Possible parking space: some insurance companies grant a premium discount if, for example, a garage for your car reduces your risk of damage.
The biggest savings features for cheap car insurance
With a simple car for the beginning as a beginner driver no fully comprehensive insurance is worthwhile. A leased vehicle is often not even allowed on the road with partial coverage. And everyone needs motor vehicle liability insurance. The biggest difference in your premium will be the package of benefits you choose for your car insurance.
the decision for full or partial hull insurance is up to you. Motor vehicle liability is mandatory. But basically, the following characteristics apply to all insurance policies:
- Comprehensive: it is the most comprehensive safety package. It includes all other benefits of the partial cover and the motor third party liability. It also covers damage caused by vandalism as well as damage caused by accidents for which you are responsible. Because for new cars up to approx. Four years of accidents often cost a lot of money, so fully comprehensive insurance is worthwhile here.
- Partial coverage: partial coverage offers all the benefits of motor vehicle liability plus additional benefits. This is how certain damages to your own car are covered. For example, theft, wildlife accidents, fire and explosion.
- Automobile liability: motor liability is compulsory to protect people who are injured by your misconduct and have a claim for damages against you. It covers property damage, personal injury and property damage to those involved in your accident, if you are at fault. Benefits for your person or your car are generally excluded from motor vehicle liability coverage. When it comes to low-cost car insurance, motor liability has the edge – if the amount of your premium is the only thing that counts.
On the way to cheap car insurance: here’s how to go about it
Good planning helps. Ideally, you should proceed as follows:
- You plan your budget: consider what your car insurance may cost you before you buy your car. Rule of thumb: the bigger the car you want, the higher the premiums for your car insurance. Typical novice drivers’ cars also drive up premiums.
- Determine benefits: think about which benefits suit you – depending on your car. A leased car almost always requires fully comprehensive coverage by the lessor. A new car is also better protected with one of these. used cars that are more than four years old enjoy good protection even with partial casco. For very old cars, car liability is usually enough. Free choice of repair shop or the cover letter of your car insurance costs extra.
- Compare insurances: on the internet you can quickly find your car insurance on the portals. With a new car you can also change your car insurance immediately.
By the way, in 90 seconds you will know what your motor vehicle liability, partial or fully comprehensive insurance costs for your car with FRIDAY. maybe this is your cheap car insurance already.
Your car insurance: look out for these benefits
a cheap car insurance is a cheap car insurance, if it is not cheap. What is meant here are your benefits. Because in the event of damage, the smartest decision quickly becomes apparent.
Be sure to look for the following components when choosing your car insurance – you’ll need them in almost any situation when damage occurs:
- Coverage amount: 50 million or 100 million for property damage and personal injury is good. the amount of coverage per claim should be as high as possible.
- Majorca policy: often included, but not always – with the mallorca policy your car insurance pays the difference in case of damage, if you are traveling in europe with a rental car and have to pay damages.
- Extended game damage: some insurances only cover hair deer. The runaway cow on the road, with which you had a collision, is then not covered as well.
- Replacement value indemnity: in case of theft in the partially comprehensive insurance or total loss in the fully comprehensive insurance, you will receive the new price for your new car. In the case of a used car, you receive the purchase price.
- Gross negligence: you disregard the red light due to distraction and an accident occurs? the "waiver of the objection of gross negligence" protects you. If you’re in an accident, your comprehensive won’t deny benefits because they can charge you with "gross negligence".
- Protection in the event of damage abroad: who wants stress on vacation – one accident is quite enough. with the protection in case of foreign damage an insurance company offers you the settlement with the foreign insurance company. This means comfort.
- Consequential damage from marten bites: consequential damage often costs more than the mere bite damage from the classic marten attack. Consequential damage clause protects you.
A cheap car insurance: the best choice for your car
the online comparison portals are your helpers to find a good car insurance for you. When comparing, pay attention to,
- What insurance you need,
- Whether the car insurance of your choice saves on premiums, but not too much on benefits,
- Which services you really need – and which you can happily do without.
your car insurance: tips for saving on car insurance
In addition to your decision for fully comprehensive, partially comprehensive or motor liability insurance as well as for your suitable benefits, there are more tips for a cheap car insurance.