Car insurance Comparison of Stiftung Warentest: Saving is always possible

Car insurance Comparison of Stiftung Warentest: Saving is always possible

Most drivers can change their car insurance until 30th November. A comparison of Stiftung Warentest now shows that they should take advantage of this opportunity. Because between the most expensive and the cheapest car insurance are more than 1,000 euros. Even drivers who are already customers of a good car insurance should not waive the annual comparison. 

 

Resulta ng larawan para sa car insurance

  • Stiftung Warentest has compared 159 car insurance companies from 72 providers in a comparison.
  • The test shows that the price range between insurers is very large.
  • Voluntary motorists should therefore compare different motor insurance with each other in order to find their optimal protection.

Hundreds of thousands of drivers change their car insurance every year in November. Because with a new car insurance can save a lot of money. This is confirmed by the current comparison of Stiftung Warentest. For the Financial Test Issue 11/2017, the consumer organization reviewed 1 59 tariffs of 72 insurers in terms of their costs.

Depending on the model customer, the price range between insurers is huge. A 19-year-old novice driver, who wants a motor third-party liability insurance with a partial comprehensive insurance, pays a whopping 1,183 euros per year for the car insurance with Baden Badener (“Komfort”) and the DA German General (“Komfort including supplement”). However, according to the Stiftung Warentest comparison, the most expensive provider demands € 2,852. This corresponds to savings potential of more than 1,600 euros.

Even with other model customers, the savings are great when motorists opt for the cheapest instead of the most expensive car insurance. As a result, a 48-year-old father could save 588 euros a year on liability and part comprehensive insurance, as well as a 70-year-old who wants to protect his car with comprehensive insurance.

Car Insurance: Comparison of Stiftung Warentest shows cheap providers

 

Resulta ng larawan para sa car insurance

Stiftung Warentest used different model customers for their comparison. Depending on their age, they are in damage-free class 2, 15 or 30, drive 15,000 kilometers per year and live in a place with a middle regional class. Subsequently, the testers compared the contribution level of the respective car insurance with the average . 40-year-old motorists who want to arrange a new liability including comprehensive insurance, for example, in Verti (“Classic” and “Premium”) pay a much better contribution than other providers.

A favorable motor insurance for both 20- and 40- and 70-year-olds offer according to the motor insurance test among other things, these insurers:

  • Baden Baden (“comfort”)
  • CosmosDirekt (“Basis”)
  • DA German General (“comfort”)
  • Europe (“comfort”)
  • HDI (“Motor-Plus”)

Service: Find a cheap car insurance now with the comparison calculator from a variety of tariffs.

 

Pay attention to minimum benefits for motor insurance

 

Resulta ng larawan para sa car insurance

All car insurances that Stiftung Warentest has compared to each other must offer certain benefits. The coverage is, for example, at least 100 million euros, the motor vehicle liability pays even for damage with the car abroad and in the partial comprehensive insurance barks are including consequential damages and collisions with animals of all kinds insured. In addition, gross negligence caused damage is covered.
If motorists have found a suitable motor insurance, they can further reduce their contribution, for example

  • a workshop binding,
  • a deductible (partial coverage 150 euros, full insurance 300 euros) or
  • an annual payment of contributions

arrange. This often leads to discounts. In addition, there are further parameters that allow insured persons to reduce their car insurance costs.

Tip: Even if you are satisfied with your car insurance, the current comparison of Stiftung Warentest still advises you to check with the insurer . “Indicate your willingness to terminate in the telephone call. Some insurers then offer their existing customers low-priced new-customer tariffs, “says the consumer organization.