Saving tips for cheap car insurance

car insurance is compulsory for every vehicle owner in germany. Providers, rates and thus different options are a dime a dozen – this makes it easy to find the right one for you cheapest car insurance often not easy for policyholders. Once you have navigated your way through the jungle of rates and found the best car insurance for you, it is important to remain vigilant and take action in the event of changes. It is very important that car insurance is not only cheap in the first year. Permanently favorable car insurance save not only money, but also time.

They are currently well insured and inexpensive? Nevertheless, it can be worthwhile to check the features of your insurance tariff from time to time did you know that even in a cheap car insurance there is still potential for savings? With your car insurance it’s like a good relationship: honesty and loyalty are rewarded! If you always provide correct information, you can be sure of full insurance coverage and avoid problems. And if you commit not only to one insurer, but also to one repair shop, you can enjoy generous discounts and low-cost motor vehicle cover. Our checklist shows you which other factors are important for saving on annual insurance costs.

How to find the cheapest car insurance

10 tips to save money on car insurance

1. Find out about tax and insurance before you buy a car.
Even before purchasing a vehicle, it is advisable to find out about the costs incurred for tax and insurance. Don’t let yourself be dazzled by every supposedly inexpensive runabout with a shiny metallic paint job: many vehicles- including entry-level models belong to high type classes. However, the lower the type class, the lower the insurance premium. If you take a look at the current type class list when buying a car and choose a vehicle with a low type class, you can avoid high insurance costs.

2. What insurance cover do you need?
As a rule, you have the choice between the following options:

  • Partial cover insurance
  • Comprehensive insurance
  • Liability

Normal motor vehicle liability insurance is required by law. This is especially worthwhile for older cars that no longer have a high monetary value. Partial accidental damage insurance is recommended if you want to buy an expensive used car and want to be insured against marten bites, accidents or weather damage. comprehensive car insurance is a good idea for a new car. It also covers damage you have caused yourself. With your car insurance, you can save not only on the choice of product, but also on the deductible.

3. Accept the workshop commitment.
Profit twice over from additional services and low premiums. Simply call us in the event of a claim. the free 0800 number of our damage hotline is available around the clock. We will select one of our partner garages for you and take care of everything so that your damage is repaired quickly and professionally. We also offer up to 15 % discount on partial or fully comprehensive insurance.

4. Who should be allowed to drive the vehicle?
you have a partner you would like to insure as a driver? This is not a problem. Here, too, you can use our convenient rate calculator to see what you will have to pay for your car insurance. As a rule, you pay less for car insurance if the insured vehicle is also driven by your partner. Young drivers and novice drivers, on the other hand, pay higher insurance premiums than experienced drivers.

5. opt for the annual payment of your premium.
If you pay your insurance premium annually at once (instead of quarterly or monthly in installments), many car insurance companies grant a discount you pay less overall for your already low-priced car insurance.

6. Choose a high deductible.
the higher you set the amount for the deductible, the cheaper your insurance premium will be. check how much you could save with a higher deductible if you drive accident-free for a full insurance year.

7. How many km do you actually drive per year?
Make sure you check how much you actually drive. Very often, a rough estimate of the mileage is given when taking out car insurance. Later, however, it turns out that in reality you drive less car, because it is no longer needed in the home office or on vacation. Generally speaking, the lower your mileage, the less you pay for car insurance. Because if you drive fewer kilometers, the risk of an accident decreases at the same time.
Stay honest. It doesn’t pay to fib a little when specifying annual mileage or number of users in order to benefit from favorable premiums in the short term. You risk losing your insurance coverage in the event of a claim and may have to pay large fines. Make realistic statements and enjoy the full scope of benefits of your low-cost car insurance without worrying!

8. Have you had a claim? Buy it back.
Very few people know that almost every claim that has already been reported to the insurer can be bought back. The so-called. Claims surrender protects the policyholder from a downgrade in the no-claims class and thus from higher premiums. therefore, always check whether it is worthwhile in your case to repay a claim out of your own pocket. In the R+V24 claim repurchase calculator, you can find out with just a few clicks whether you can save money through claim repurchase.

9. Ücheck the additional benefits.
If, when you take out your current insurance policy, you are offered such additional benefits as e.B. If you have also taken out the driver protection insurance or the letter of protection insurance, check whether you still need these additional insurances. Remember: a car insurance policy is usually much cheaper than a car club membership.

10. Find out about the insurers’ promotions.
Take advantage of voucher codes that you can use when taking out your car insurance policy. For more information on the current R+V24 voucher campaign, click here.

30 € shopping voucher – only until 31.01.2022

insure your vehicle with R+V24 today and benefit from a store- or fuel voucher worth up to 30€, which you can redeem at over 200 dealers in germany (e.g. in Germany).B. With amazon, itunes, saturn, tchibo, media markt, OTTO, A.T.U., C&A, H&M, toom, baby-walz, thalia, aral, zalando, IKEA u.A.). For this you simply enter in the premium calculation the voucher code car2022 before you conclude the contract online on our website. You can find the terms and conditions here.

Simple, individual& cheap

Inexpensive car insurance with all-round protection

When choosing the right insurance cover for your car, you should not make any compromises. On the one hand, car insurance should be inexpensive, but the benefits should not be too limited either. on the other hand, the benefits of your insurance should not lead to escalating costs, because car insurance is certainly not the only insurance you take out.

calculate your personal car insurance premium in just a few minutes using the car rate calculator and take out your low-cost online car insurance in just a few steps. Choose the right insurance cover for your car from third-party liability, partial or fully comprehensive insurance and keep it affordable for a long time. By the way, you can save money on second car insurance, too.

You can expand your digital insurance package at any time with interesting additional benefits such as driver protection or letter of protection. We provide you with the evb number as soon as you register a new vehicle and take out car insurance. With the evb number (online or by text message), you can register your car at the vehicle registration office.

Depending on the tariff, you can pay your R+V24 insurance premium at different intervals z.B. Monthly or yearly. Thanks to the direct debit system, we can conveniently debit the car insurance premium from your account. ÜWe will inform you of the amount in good time.

If you use the Internet on the move and like to access your mailbox or online banking while you’re on the road, online insurance is perfect for you, because instead of hanging around in a hotline queue or going to the branch, you can make all the changes to your car insurance yourself online – around the clock. With just a few clicks you can fit z.B. your annual mileage or update your personal data. With the practical online policy management, you can access your policy documents at any time and continuously adjust your insurance coverage to your life circumstances.

R+V24 car insurance offers flexible insurance rates with numerous extras as well as permanently low premiums. Compare the R+V24 tariffs right now and get to know the experiences of our satisfied customers.

Safe on the road and inexpensive

An important basic protection: motor vehicle liability insurance

what is most important to you when equipping your vehicle? Standard extras such as a radio and air conditioning system? Or do you value sporty aluminum rims, a good navigation system or stability control for your motorcycle?? Tastes and requirements are different- that’s why our car insurance perfectly adapted to your wishes. For price-conscious fans of solid basic coverage, motor vehicle liability insurance is the right solution.

In the most favorable basic tariff find the most important insurance benefits so you can drive safely and stress-free. if you want to be better protected and need a low-priced car insurance with very comprehensive benefits, you can choose the comfort tariff rely on car insurance with numerous included benefits. With our premium tariff It includes everything you expect from a high-quality car insurance plan.

No matter what you choose: in case of a claim we are available for you around the clock. Our free claims hotline offers you fast assistance in the event of damage to your own vehicle or to the vehicle of the other party involved in the accident.

Protection against damage caused by force majeure

For even more security: partial motor vehicle insurance

It happens on a stormy night: While you are enjoying the safety of your home, your car is parked unprotected in the open. Storm, hail, lightning or flooding could damage your vehicle and a motor vehicle liability insurance does not pay for it. With a partially comprehensive motor vehicle insurance policy, on the other hand, you are on the safe side in the event of damage caused by force majeure. Our comprehensive insurance protects your own vehicle z. B. In the event of damage caused by:

  • fire or explosion
  • Glass breakage
  • Theft
  • Storm

R+V24 offers the right motor vehicle insurance for every requirement. In addition to liability insurance, which covers claims for damages by others, you can also protect yourself against damage to your own vehicle with partial own-damage insurance. With this insurance, we pay for the repair or loss of the vehicle quickly and unbureaucratically.

Our partial cover tariffs adapted to your wishes and needs:

  • For the price-conscious: partial motor vehicle insurance with basic cover.
    With basic protection, you enjoy solid basic coverage for your vehicle. This tariff covers collisions with animals and weather damage caused by storms, hail, lightning and flooding.
  • For the safety-conscious: partial motor own-damage insurance with comfort protection.
    With the comfort cover, you can considerably extend your protection: this tariff protects you against costs incurred in the event of damage caused by avalanches, mudflows, earthquakes, volcanic eruptions or animal bites. In addition, we will pay for the replacement of the lock and key in the event of theft.
  • For the discerning: partial own-damage insurance with premium protection.
    premium protection offers you the best possible protection in your partial motor vehicle insurance policy. You receive all the benefits of the comfort cover with even better conditions and, in the event of theft, you also receive compensation for the purchase value of your vehicle up to 12 months after purchase, which also applies to the items contained in it.

In our rate calculator, you can easily calculate your car insurance with just a few clicks (liability, partially comprehensive or fully comprehensive), choose the right car rate and take out an insurance policy with us within minutes. Protect yourself and your car today!

All-round protection for your vehicle

The complete cover: comprehensive motor insurance

A careless moment on the highway or parking the car in the wrong place at the wrong time: partial coverage insurance does not cover damage caused by the driver or vandalism. So it can quickly happen that you are left with unexpected costs. Now it turns out that fully comprehensive motor insurance was the right decision. because it covers you comprehensively in all situations. Our fully comprehensive insurance contains all the benefits of motor vehicle liability insurance and motor vehicle partial cover and covers z.B. the following in addition:

  • Gross negligence
  • Accident, vandalism
  • New price compensation in the event of total damage

A comparison of our fully comprehensive insurance rates:

  • The basic cover: fully comprehensive car insurance with basic protection.
    The basic cover provides basic protection for you and your vehicle. This tariff includes the benefits of liability and partial cover insurance. In addition, accidental damage and damage caused by vandalism to your own vehicle are covered.
  • The comfort cover: fully comprehensive motor insurance for all situations. With the comfort cover you increase your insurance protection: this tariff additionally protects you in case of gross negligence and transport damages on ferries. This also includes, for example, compensation for the new price up to 18 months after initial registration recommended z. B. For high-priced new cars.
  • premium protection: the carefree package. You want to be prepared for every risk? Then premium protection is the right choice for you, because it supplements comfort protection with additional benefits. In the event of a claim, you will also receive compensation for the purchase value up to 18 months after the purchase of your vehicle and compensation for the new price for 24 months.

With fully comprehensive insurance, you receive all the benefits of partial comprehensive insurance and are additionally protected in the event of self-inflicted accidents or vandalism to the vehicle. In the event of a claim, we will quickly and unbureaucratically pay for the repair or loss of your vehicle.

If your car is not yet insured or if you want to change your car insurance in 2021? Find the insurance that suits your needs and your vehicle at R+V24: with just a few clicks, you can choose a tariff with our tariff calculator, view the premium rate and take out comprehensive insurance with us directly. Protect your vehicle today!

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Christina Cherry
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