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The autumn changeover in car insurance is in full swing. insurers recalculate their prices and maybe you can save a lot of money by changing your insurance at the end of the year. The deadline for cancelling your policy is 30 days before the policy expires. November. However, in order to really benefit – i.e. not to end up paying more – you should know a few tricks about changing insurers. In the guide, we show you in five steps how to proceed correctly.

Do you want to change, read also our analysis of the best car insurers in november 2021.

A car insurance comparison find the cheapest car insurance rates for you. With the help of the car insurance comparison you can save several hundred euro per year.
The offer of car insurance is large, it is often not easy to keep the overview. But a car insurance comparison is worthwhile, because you can save money and time by changing your car insurance. With the free car insurance calculator you will find the cheapest insurance for your car.

the car insurance comparison finds the cheapest car insurance for you

• The car and vehicle type
• mileage per year
• The current place of residence
• age and experience of the driver(s)
• Number of accident-free insurance years
• The insurance deductible

Get cheap car insurance

You are only four steps away from cheaper car insurance. With the car insurance comparison you can quickly and easily compare many car rates. We will explain each step in detail to you.

If you regularly check your car insurance for benefits and costs, you can save a lot of money. Especially in order to achieve financial advantages and better benefits, a change of car insurance is worthwhile. But what other reasons speak for a new provider?? What are the deadlines, what to consider when looking for a new car insurance and how to cancel afterwards??

Why cancel? Possible reasons for changing your car insurance

There are many reasons to change your car insurance.

The number of drivers is changing

If fewer or more people drive the insured vehicle in the future than before, a new insurance rate can be worthwhile. Especially if the drivers to be insured have a high level of driving experience.

tips for parents – organic children’s clothing | eco toys | sustainable living

There are many questions that expectant parents have to deal with. A very important is the search for a suitable child car seat. After all, the baby needs to be transported safely on its first trip from the hospital to home. A wide range of different models is available on the market.

But which child seat is the right one? Which criteria are decisive? What are the standards?? And why are there seats in which the children ride facing backwards?? You will find the answers in the following child car seat guidebook.

Most people know that you can’t drive a motorized vehicle in germany without car insurance. But which insurance covers what is not always clear. motor liability is a compulsory insurance and pays for damages you cause to others with your car. the question remains, how do you find a fair insurer with reasonable premiums?. Read here our answers to the most frequently asked questions about car liability insurance.

This page at a glance

A motor vehicle liability insurance what is it anyway?

the short answer: motor vehicle liability insurance is a compulsory insurance that everyone who wants to drive a motorized vehicle on the road in germany needs. It is therefore a compulsory insurance for all vehicle owners – if they also want to participate in road traffic with their vehicle. However, motor vehicle liability only pays for damage that you cause to others – similar to private liability. Here you can find out what other types of car insurance are available.

fully comprehensive, partially comprehensive, motor vehicle liability insurance: stiftung warentest’s motor vehicle insurance comparison shows the most favorable offers. Compare rates, switch, save money!

1. Overview

This is what the car insurance comparison offers

It pays to compare prices for car insurance! Our car insurance comparison includes almost all rates on the market. And we are independent and do not collect any commissions.

The car insurance comparison of the foundation warentest

• Free of charge for flat-rate customers. With a test.De-flatrate you can use the car insurance comparison free of charge and also all tests, comparisons and online articles on test.Read more. The monthly flat rate is already available from 7.90 euros.
• Individual. stiftung warentest determines the most favorable rates exactly for your needs. Click here to start the comparison (link only works with flatrate or after activation).
• Independent. stiftung warentest receives no commission from insurers.
• Fair and user-friendly. In the car insurance comparison, there are no presettings such as pre-set check marks for passenger accident insurance. the stiftung warentest treats your data confidentially. you will not receive any advertising mails from insurers later on.
• Comprehensive. The comparison includes almost all tariffs on the market. This includes internal tariffs and tariffs with workshop commitment – also for e-cars.

Insurance comparison: pay once, use several times

If you have activated the car insurance comparison, you will receive a personal transaction number (tan). It remains valid for 13 months. You can use the service for two insurance years and find out, for example, how the price is affected if you take out discount protection or if an additional driver is allowed to use the car. This reduces the costs per annual evaluation to 3.75 euro.

Whether it’s a car, motorcycle, scooter, moped or classic car – with gothaer motor vehicle insurance, you can rely on comprehensive protection at a low premium and fast claims service. Simply calculate the premium now and your low-cost car insurance buy online.

• Attractive premium discounts
• Comprehensive coverage at a reasonable price
• Car liability, partially comprehensive or fully comprehensive insurance

Our car insurance z. B. from only 11,50 € per month

The gothaer car insurances

Drive with all-round favorable insurance

Car insurance

Switch to the priority lane now. With our motor vehicle insurance, you and your car are covered all around at a reasonable price in the event of damage and also benefit from first-class services and individual solutions – whether third-party liability, partial or fully comprehensive.

By the way, with our car insurance calculator you are able to find the insurances cheaply and you can save maybe many 100 EUR per year.

Calculation of the offers with the car insurance rate calculator

car insurance rate calculator for liability and comprehensive insurance policies

comprehensive insurance
in other words, comprehensive insurance covers damage to the owner’s car. In this way, comprehensive insurance offers additional protection to liability insurance. It is a non-mandatory coverage and is liable in case of:

• Demolition
• loss of the passenger car
• damage

In the case of comprehensive insurance, a distinction is made between fully comprehensive and partially comprehensive insurance.

All car insurers now routinely check the creditworthiness of their customers. For this, they also obtain a schufa report.

You can still get car insurance for your car without any problems at CHECK24.

How do I pay?

At CHECK24 there are attractive rate offers with prepayment.

These alternatives are available, for example, if your desired tariff cannot be concluded.

You then pay for the insurance cover for your car for one year in advance.

you have three options to pay in advance:

Instant bank transfer and paypal

The fastest way is by immediate bank transfer and paypal.

Which legal regulations apply to child seats?

• For children under twelve years of age who are smaller than 150 cm, child seats in the car are compulsory (§ 21 abs. 1a road traffic regulations).
• Rear-facing child safety systems are only permitted on the front passenger seat if the airbag has been switched off (cf. § 35a paragraph. 8 road traffic licensing regulations).
• Child restraint systems must comply with the requirements of UN ECE regulation 44/03 or. 44/04 or the UN ECE comply with regulation 129. These child seats can be recognized by the corresponding orange test badge, which is firmly attached to the seat.
• When purchasing a used child restraint system, make sure that the material does not show any signs of aging that could affect safety.

How to recognize a good child seat?

You can recognize a good child seat by the orange badge that indicates the UN ECE regulation for the child seat. Child seats according to ECE regulation 129 are considered particularly safe. Child restraint systems according to UN ECE 44/03 or. 44/04 offer with correct installation and handling with ISOFIX-fastening in motor vehicles with ISOFIX points also very good protection.

What is the difference between the two ECE regulations??

Seats with ECE test standard 44 are based on the child’s body weight and are divided into groups 0 to III:

• Group 0: for babies up to 10 kg
• Group 0+: for children up to 13 kg
• Group I: for children between 9 and 18 kg
• Group II: for children between 15 and 25 kg
• Group III: for children between 22 and 36 kg

Child seats with the ECE regulation 129 are designed for a corresponding body weight as well as the body size of the child. Child seats with this regulation are divided into so-called "i-size seats" and vehicle-specific seats. I-size seats can be used in any seat marked with the i-size symbol in the vehicle. For vehicle-specific child seats, there are vehicle lists that show whether the child seat is suitable for the corresponding seating position. Seats with this regulation are considered safer.