With a car insurance comparison, you can save up to several hundred euros a year on premiums. The best thing about it: the comparison is simple, fast and free of charge. Find a new car insurance policy in just a few clicks with our price comparison tool! Our experts provide you with important tips and information.
- Car insurance comparison with high savings potential
- Compare premiums easily, quickly and free of charge
What is car insurance??
As car insurance we commonly refer to different types of insurance related to motor vehicles. This includes, for example, insurance for cars or motorcycles. The best-known type is liability insurance, as this is mandatory by law for every owner of a motor vehicle. Motor vehicle liability insurance covers damage caused by other parties involved in an accident if you cause an accident yourself. Personal injury, property damage and financial loss are covered.
Damage to your own vehicle, on the other hand, is covered by comprehensive insurance. Here we divide into partially comprehensive and fully comprehensive insurance, which differ in their scope of benefits. Partial coverage covers damage to the vehicle caused by fire, explosion, theft, storm or collision with wild animals. In addition to the partially comprehensive cover, the fully comprehensive cover also includes damage to your own vehicle caused by vandalism or your own negligence. Comprehensive insurance is not compulsory, but makes sense especially for new or valuable cars.
- Motor liability: covers damage to persons, property and assets
- Partial cover: covers damage to your own vehicle (without own fault)
- fully comprehensive insurance: partially comprehensive cover + vehicle damage due to own fault
Comprehensive or liability insurance only?
Partial or fully comprehensive insurance offers optional protection in addition to your mandatory car insurance policy. Especially for new cars, valuable motor vehicles, cars financed by credit or leased vehicles, fully comprehensive insurance makes sense. If your car is more than 5 years old and has at least a medium financial value, you should take out partial casco insurance. Further decision-making aids for partial or fully comprehensive insurance are your personal insurance needs as well as your own driving habits. In the case of a car on which major repairs for damage incurred would no longer be worthwhile, you should cancel the comprehensive insurance policy. If, however, you stop driving for more than half a year, you will have to reckon with a new no-claims class when you resume driving. it is common for car insurance to deduct one class per suspended year.
no-claims bonus of the motor vehicle insurance
The no-claims bonus or no-claims class is a discount on the basic premium for vehicle insurance, which is based on the number of years of no-claims insurance. It is a component of all tariffs with the exception of partial casco. In the event of a change of insurer, the no-claims class will be taken over by the new insurer, but the amount of the discount may change slightly. Generally, the longer you drive without an accident, the higher the discount. A downgrade only occurs in the event of a claim.
Tip: sometimes it is more difficult with smaller damages (ca. 1.000), it is cheaper to take out private financing in order to continue benefiting from the discount.
Compare car insurance is worthwhile on PRICE COMPARISON.De
due to the legal obligation to insure, you are not allowed to move a vehicle in germany without liability insurance and therefore you will at least not get around the costs of this compulsory insurance. With a car insurance comparison as a consumer, you can save a lot of money, especially with the rising premiums for car insurance in 2022. The car rate calculator on PRICE COMPARISON determines the most favorable car insurance rates from over 650 rate combinations.De the cheapest offer. Depending on the amount of the previous insurance premiums, you can save with a car insurance calculator up to 85 percent! therefore, make sure you get a cheap car insurance in a price comparison.
- Find the cheapest car insurance policies
- Save up to 600 euros
Car insurance comparison free of charge + savings tips
The entire car comparison on PRICE COMPARISON.De is possible in peace from home. Free, simple, fast and clear! Just like at an insurance branch, we need some information from you in order to show you a variety of offers that are tailored to your individual needs. Due to the intuitive usability of the car calculator, a comparison is quite simple. First, choose whether you want to insure a new vehicle or switch insurers. It does not matter whether it is your first car or you want to insure your second car. The following is necessary to specify the car manufacturer and the type of your car. You can either select the make and model from the vehicle registration document or from the drop-down menu. If you are looking for a special insurance for your electric car, simply enter "electric" in the fuel type field. In order to determine the registration district and thus the local license plate number, the zip code of the vehicle owner is required.
Furthermore, questions about the driving operation as well as the policyholder have to be answered, whereby the following rule of thumb applies: the more freedom you demand from the insurance policy and the more unspecific it is, the more difficult it is for the car insurance calculator to find many cheap offers for a car insurance policy. For example, if you park your car outside, you will have to pay higher premiums than if your car is safely parked in the garage.
a special advantage of the motor insurance comparison: in the penultimate step, individual savings options are listed again, which can be selected or deselected. Here you should choose wisely. After all, even the cheapest car insurance is not worth as much as the financial security it is supposed to provide in the event of a claim. Once everything is entered, there is nothing to stop you from saving money with cheaper car insurance. get all the information you need to take out a car policy. the price comparison of the car insurance is followed by the selection and the contact with the insurer, who thanks to the internet gives feedback in a very short time.