Best car insurance for 2016 chosen by two tests

Best car insurance in the test: service only satisfactory

Resulta ng larawan para sa car insurance

Are the eleven car insurance test winners of ServiceValue now the best choice for motorists? The answer is difficult, because another test for car insurance comes to other results . The DISQ has reviewed the service and value for money of some providers for their investigation. In the overall result, not a single company achieved the highest rating “very good”. Six providers, however, achieve a “good” :

  • VHV
  • HUK Coburg
  • DEVK
  • CosmosDirekt
  • Sparkassen direct insurance
  • Hannoversche

According to DISQ, insurers show “overall only a poorly satisfying service”. With their tariffs they know how to convince . For their price-performance ratio, nine providers get a top result. However, it becomes clear that a very good result in this category is not enough to be at the top of the ranking in the end. The HUK24, which achieves the highest score, for example, in the product evaluation, falls in the service with a “poor” by. In the end, that means “satisfying”.

Best car insurance for 2016: not just put on the test winner

On the new motor insurance test winner is due to their partly different results conditionally relied. Finally, the experts assess the providers and their tariffs according to various criteria or rely on customer experience for their test. In addition, the price-performance ratio depends on personal factors such as location, vehicle type and driving behavior To find an optimal car insurance, an individual insurance comparison is therefore inevitable. This is also useful because the insurers often turn in the course of a year at the price, so that the studies on motor insurance usually only represent a snapshot.

 

Compare loans Auto Loan

Compare loans Auto Loan CaixaBank, Flexible Credit Ferratum

Resulta ng larawan para sa car insurance

 

  Auto Loan CaixaBank # More info Flexible Credit Ferratum  Contract
  More info Contract
Type of loan Loan Credit line
Credit for:
  • Individuals
Source of income
  • Roster
  • Pension
  • Autonomous
Minimum amount € 1,000 Orientative € 100
Maximum amount € 60,000 Orientative € 500
Maximum amount existing customers € 1,000
Minimum term 12 months 1 month
Deadline 8 years 26 months
Accepts ASNEF or similar    
Purpose
  • Car loan
  • Motorcycle loan
  • Anyone
Nominal Interest Rate (TIN)   103.40%
TAE Comment
  • Ask about the interest rate in an office of the entity.

TAE example of a provision of 1,000 euros with a repayment period of 4 months.

TIN comment

Interest rate of 0.283% daily

Annual Equivalent Rate (APR) 208.31%
Requires guarantee No warranty No warranty
Minimum age 25 years
Maximum age 70 years
No. of connections 1 0
Maximum number of holders 1 person
Request without paperwork  
Hiring process
  1. Click on the “Request Information” button
  2. Choose the amount we need and the return period
  3. Fill out the online form
  4. Verification of identity and bank
  5. Read carefully and sign the contract
How is it returned
  • Transfer to account
  • Card charge
Allows lack

Possibility of up to two non-consecutive deficiencies per year

 

Compare Credits Credit Project Car

Compare Credits Credit Project Car of Occasion Cofidis, Auto Loan 24 Hours

  Cofidis Car Project Credit # More info 24 Hours Auto Loan ABANCA # More info
  More info More info
Type of loan Loan Loan
Credit for:
  • Individuals
  • Individuals
Source of income
  • Roster
  • Pension
  • Autonomous
  • Autonomous
Minimum amount € 4,000 € 6,000
Maximum amount € 15,000 € 60,000
Minimum term 12 months 6 months
Deadline 6 years 8 years
Accepts ASNEF or similar    
Purpose
  • Car loan
  • Motorcycle loan
  • Car loan
Nominal Interest Rate (TIN) 5.95% 6.50%
TAE Comment
  • Example of TAE for a loan of 15,000 euros to be repaid in 72 installments.
  • The APR may range from 6.09% to 12.62%.

Example of a TAE for a loan of 12,000 € to 8 years with the interest rate.

TIN comment
  • The interest will be determined by the amount requested and will range between 6.09% and 12.62%.
  • Interest rate of 6.50% TIN if all bonding conditions are met
  • In case of not fulfilling any of the conditions, the interest is 9.50% TIN
Annual Equivalent Rate (APR) 6.11% 10.63%
Addressed to:
  • All customers
Requires guarantee No warranty
Minimum age 18 years
Maximum age 65 years old
No. of connections 3

Reduction of 3% interest for the contracting of linked products

Life insurance  
Payment protection insurance  
Maximum number of holders 2 people
How is it returned
  • Transfer to account
Allows early return Free
Allows lack

Total lack of one month notice

 

Auto Loan

General information

Resulta ng larawan para sa auto loan

Type of loan Loan
Credit for:
  • Individuals
Advantage
  • Up to € 60,000
  • No study commission
  • The 2nd year interest is reduced for customers who meet two extra conditions (see below)
  • Free assistance pack:
    • ITV pick-up service
    • Chauffeur service if you can not drive
    • Technical office of the automobile
    • Sustitution vehicle
    • Duplicate of keys in case of theft or loss
    • Management of traffic sanctions
Maximum amount € 60,000
Minimum term 12 months
Deadline 8 years
Accepts ASNEF or similar  
Purpose
  • Car loan

Costs and commissions

Resulta ng larawan para sa auto loan

Nominal Interest Rate (TIN) 8.25%
TAE Comment

APR calculated for a loan of € 10,000 to be repaid in 8 years complying with the terms of attachment.

TIN comment

Interest of 7.25% from the second year if additional conditions of association are met.

Annual Equivalent Rate (APR) 8.94%
Opening commission 1.25% with a minimum of € 60.00
Study commission Free
Commission for early amortization 1.00%

Requirements

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Requires guarantee No warranty
Minimum age 18 years
No. of connections 1
Additional information (requirements)
  • Domicile the payroll or make an income for a minimum amount of 1 installment
  • Hire life insurance

The Auto Loan db is a product designed to finance the purchase of a car. With this loan we can get up to € 60,000 to return in a maximum of 8 years. In addition, an advantageous Assistance Pack with ITV pick-up service, chauffeur service in case of not being able to drive by accident, etc. is delivered with the loan.

Regarding the price, the Autodb Loan has an interest rate of 8.25% TIN (8.94% APR) and an opening fee of 1.25% (minimum of 60 €), but from the second year the entity It rewards the interest rate by 0.5% if we take out a life insurance and direct the payroll or an income equivalent to a loan installment.

 

24 Hours Auto Loan ABANCA

General information

Resulta ng larawan para sa auto loan

Type of loan Loan
Credit for:
  • Individuals
Source of income
  • Autonomous
Advantage
  • Car loan for the purchase of a new or used vehicle
  • Interest from 6.50% TIN
  • No study or cancellation fees
  • Initial lack of capital and interest of up to 6 months
  • ABANCA agrees to resolve the request within 24 hours
  • If you approve the loan after 24 hours, the opening commission will be free
Minimum amount € 6,000
Maximum amount € 60,000
Minimum term 6 months
Deadline 8 years
Accepts ASNEF or similar  
Purpose
  • Motorcycle loan
  • Car loan

Costs and commissions

Resulta ng larawan para sa auto loan

Nominal Interest Rate (TIN) 6.50%
TAE Comment

Example of a TAE for a loan of 12,000 € to 8 years with the interest rate.

TIN comment
  • Interest rate of 6.50% TIN if all bonding conditions are met
  • In case of not fulfilling any of the conditions, the interest is 9.50% TIN
Annual Equivalent Rate (APR) 10.63%
Opening commission 1.50% with a minimum of € 120.00
Study commission Free
Commission for early amortization Free

Requirements

Resulta ng larawan para sa auto loan

No. of connections 3

Reduction of 3% interest for the contracting of linked products

Life insurance  
Payment protection insurance  
Additional information (requirements)
  • Possibility of requesting an initial lack of capital and interest of up to 6 months

More information

Resulta ng larawan para sa auto loan

The Auto Loan 24 Hours of ABANCA allows you to request up to € 60,000 to return within a maximum period of up to 8 years to finance the purchase of new or used vehicles (car or motorcycle). Loan interest is from 6.50% TIN (10.63% APR); therefore, if all the conditions of connection are met, the minimum interest rate will be applied.

On the other hand, the entity agrees to resolve our request , granting the loan or denying the request, in a maximum space of 24 hours and if it does not comply, we will not have to pay anything based on the opening commission.

In addition, with the Auto Loan 24 Hours of ABANCA you can request an initial lack of capital along with interest for up to 6 months , so the customer can buy the car now and start paying it within half a year.

 

Car Insurance Change: Deadlines, Tips and Stumbling Blocks

Car Insurance Change: Deadlines, Tips and Stumbling Blocks

Countless Germans pay too much for their car insurance. The change of the car insurance is done quickly. However, it is important that car owners comply with certain deadlines. Otherwise, they will remain bound to their car insurance for another year. Who changes the insurance, should also pay attention to some things.

In autumn, around two million drivers use a car insurance policy change every year to reduce the cost of their car insurance. Depending on the vehicle model, place of residence, extent of benefits and other personal factors, insured persons can save several hundred euros a year . But they have to take care of the change of car insurance in good time. For most contracts, there is a fixed termination date. In addition, motorists should not be blinded by a low price when choosing a new car insurance.

Observe periods when changing motor vehicle insurance

Most car insurance companies have a notice period of one month to the end of the year. For a change of motor insurance the written notice must therefore be available to the previous provider on November 30th . If this day falls on a weekend, some providers of goodwill also accept a late receipt by 1 or 2 December. Consumer advocates advise car owners, however, not to rely on it.

Some contracts are not based on the calendar year. Here is the notice period for a change of motor insurance on the date of the contract . For example, if the contract was completed on April 1, the deadline will be February 28.

In any case, the old insurer can only accept the termination of the motor vehicle liability insurance, if motorists have submitted an insurance confirmation of the new provider . Finally, the liability is required by law. Without follow-up insurance, a termination is therefore excluded. If the car is shut down or sold, the car owner does not need to show a new contract . Then a termination is possible regardless of the other deadlines.

Car insurance change over the special right of termination

Under certain conditions, the change of vehicle insurance is also possible if the regular notice period has expired . If the insurer increases the contribution to car insurance, the customer has a special right of termination. Policyholders can also terminate after insured damage to the vehicle extraordinarily – regardless of whether this was regulated without problems or not. The deadline for the change of vehicle insurance is also one month and begins on receipt of the premium increase or the decision on the regulatory decision of the insurer .

 

Resulta ng larawan para sa car insurance

Tips for car insurance change

Motorists who change their car insurance should not only look for the price when looking for a new insurance. For example, some tariffs are only cheap because they offer lower benefits . Therefore it makes sense to compare price and performance exactly.

The most important tips:

  • In the case of comprehensive insurance cover also negligent damage.
  • Although a workshop commitment usually leads to lower insurance premiums, it is more of a disadvantage for the car driver.
  • The insurers rank the damage-free rebate differently after a damage. The lower the downgrade, the cheaper the contributions will be after an accident.
  • Motorists who use a rental car on holiday, should pay attention to the inclusion of a Majorca policy.
  • A coverage under 50 million euros is not recommended.
  • The Teilkasko should also cover marten bites including consequential damage and collisions with animals of all kinds.

Car insurance: High damage-free class, low contributions

The guides provide general information. Product details of CosmosDirekt can be found on the respective product pages.

Resulta ng larawan para sa car insurance

 

Who drives accident-free, saves on his car insurance. Customers who do not cause any damage in one year are classified in a higher non-infringement category and thus receive a lower contribution rate. For many years of prudent driving thus be in car insurance high discounts on the basic rate.

In the following guidebook, we introduce the system of claim-free classes, promotion, downgrading, and transferability to other people, and explain how novice drivers can lower their car insurance premiums.

 

  • What are claims-free classes?

  • What counts in car insurance

  • Which damage class do novice drivers have?

  • When does a change in the claim-free class occur?

  • Can I take over percentages?

  • What should I tell motor insurance if I want to transfer percentages?

  • Can percentage of losslessness expire?

These insurance terms play a role in the article

term
statement
Regional class Each registration area is classified in a hazard class according to the frequency, severity and cost of accidents involving vehicles registered there. The regional class has a big impact on the insurance premium.
type class Each car type is classified according to its statistical loss history in one of several hazard classes. The more frequently damage occurs to a type and the higher these are, the more expensive the insurance.

What are claims-free classes?

The non-infringement class (SF class) indicates the years that you drove with your car without accident or damage. If you come for five years without damage, you are in SF class 5. For the insurance companies, this corresponds to the period during which you did not use your motor insurance. The longer the time, the better. Those who drive without damage, will be rewarded by the insurers: On the car insurance, higher discounts granted and the contributions decline. This is also fair to the insured community. Because prudent drivers who move accident-free on the roads, cause significantly lower costs. In addition to the regional and type class, the claims-free class has a major impact on the amount of your insurance premium. However, this only plays a role in motor liability insurance and comprehensive insurance. In the part comprehensive insurance, which covers, for example, damage caused by game, hail and theft, the driving behavior has no effect. Therefore, the partial coverage does not provide any personal percentages.

What counts in car insurance: class, discount or percent

Originally, the term no-claims discount was used. Since the insurers were able to agree on a common system, today one speaks of the claim-free classes. The 39 classes (SF 0, ½, 1 – 35, S and M) form the basis on which all insurers reward accident-free driving with their own car. Each claim-free class is assigned certain percentages (contribution rates). This contribution rate determines the amount of the insurance premium. While the SF classes are required by law, insurers are free to determine the assigned percentages. Therefore, the percentages often differ in the companies, despite equal claim class.

Which non-damage class have beginner drivers

New drivers usually pay very high contributions for motor insurance. This is because insurance companies set so-called risk additions for novice drivers due to the statistically higher accident rate. Without percentages novice drivers are classified in non-infringement category 0. This applies to the motor vehicle liability insurance and the comprehensive insurance. But a high contribution does not have to be.

Via the second car regulation, a parent can insure the vehicle that the novice driver uses in his name. The second car is classified as SF 1/2. The novice driver can insure the car in his name after a few years without damage and take over the damage-free years that he himself has experienced during this time. In addition, it is worthwhile to choose a vehicle with a lower type class . The type class can be determined with the type class directory of the GDV.

Saving Tip

At CosmosDirekt, novice drivers can reduce their premiums if they have taken part in Accompanied Driving from the age of 17: the right strategy for novice drivers. In addition, CosmosDirekt offers with BetterDrive a telematics tariff for young drivers up to 28 years. Find out now and calculate your contribution with just 3 details.

 

Resulta ng larawan para sa car insurance

When does a change in the indemnity class (SF class) take place?

Who drives accident-free year after year, benefits twice. Because his SF class is increased by one level the following year. At the same time, the premium that he has to pay for liability insurance or fully comprehensive insurance usually falls. A prerequisite for a promotion, however, is that the insurance cover has existed for at least six months without interruption during the insurance year. Anyone who has a claim settled by the insurance company will receive a downgrade of their damage-free discount, provided no rebate protection has been agreed. Important: For the no-claims discount, it is not the amount of each damage that counts, but the number of damages . The contract regulates in a so-called downgrade table how many levels are deleted for car insurance.

tip

It may be useful to pay smaller damages yourself. Because the costs due to the downgrade can be higher than the damage. You can therefore refund the paid service to the insurer within 6 months. The downgrade will take place in the next calendar year and will be shown on the invoice. Each insurer regulates it differently by how many damage classes are downgraded.

Downgrading in case of damage to cars

Automobile liability insurance

SF-Class
Downgrade at 1 damage Downgrading for 2 damages Downgrading for 3 damages
36 20 8th 2
35 20 8th 2
34 17 7 1
33 16 7 1
32 16 6 1
31 15 6 1
30 15 6 1
29 14 6 1

Comprehensive Insurance

SF-Class
Downgrade at 1 damage Downgrading for 2 damages Downgrading for 3 damages
36 26 16 8th
35 26 16 8th
34 22 12 6
33 21 12 6
32 20 12 6
31 20 11 5
30 19 11 5
29 18 10 4
  • Source: CosmosDirekt, General conditions for motor insurance

Saving Tip

CosmosDirekt offers a discount protection . With you, up to three damages pass you without a trace and your no-claims discount remains unchanged. Your advantage: Despite damage, you keep the percentages of your car insurance!

Car insurance: Can I take over percentages?

A no-claims discount may also be transferred to another person. In the past, it was relatively easy to transfer the percentages to another person. Today, several requirements have to be fulfilled in order to assume a non-infringement status:

  • For almost all insurances, the discount transfer is only permissible to first-degree relatives – from one parent to one child. In addition to the spouses, partners with whom one lives in a marriage-like or domestic community are also possible. The policyholder must agree to the transfer.
  • The transferee must prove to have predominantly driven the vehicle during this period. Therefore, you should first check the insurance contract. If the father was the sole driver, the son could not have moved the car for insurance reasons. In such cases it is not possible to transfer the percentages resulting from the existing motor insurance. Even with widely separated residential areas, the predominant driving with the vehicle is often not given.

One important limitation: The beneficiary can only take on the non-infringement status that they would have earned if they themselves had insured and driven a car from the time they obtained the license. If you have only been driving for 4 years, you can only get the SF class 4 – for 4 accident-free years. The remaining accident-free years expire. In this way, it should be prevented that a novice driver, for example, the damage class of his father takes over, which drives for 25 years without an accident.

Transfer from parent to child

A scenario that is common: A car is insured by the parents as a second car, but is driven by the son or daughter. Especially for novice drivers this is an interesting model. This avoids the high starting price for car insurance because one parent acts as a keeper and policyholder. However, novice drivers, as they are only drivers of the vehicle, also do not earn their own SF discounts. If the child later registers a vehicle himself, the parents can transfer the damage-free class of the second car to the insurance newcomer. The SF class of the first car remains unaffected. In which SF-class son or daughter are classified, depends on the time of the license purchase.

Transfer between spouses

A transfer of the indemnity class between spouses is always possible. Most insurers now approve this process even in marriage-like communities. A discount transfer is usually useful if the car of the wife was allowed to the man to reduce by the Zweitwagenregelung the insurance premium. In this way, although the man has two insurance companies with good SF classes, but the woman gets no percent for their car insurance, because for years she was only a driver, but not a car owner. If the woman now wants to allow a car on her own and act as the policyholder, the man must first hand over in writing his damage-free class for the corresponding car.

Note

Often, the second car insurance is subject to certain conditions, for example, to a certain damage class of the first vehicle. Therefore, it is advisable to compare in advance different rates.

Transfer from the motorcycle

The SF class, which you have achieved while riding a motorcycle, can also be transferred to a car insurance company. However, the percentages of the indemnity discount differ. Although motorcycles with SF-Class 10 will be out of action for ten years without damage, the rest of the years will go hand-in-hand with no accidents. If you then take out motor insurance, the percentage calculation will be based on the damage class actually achieved.

Transfer from company car to private car

If you have driven a company car, there are two ways to transfer the claim-free class. In both cases, however, your former employer needs to meet you.

  • First Option: Your former employer is ready to transfer the non-injurious years of the service vehicle you are using. This means that these discounts are lost for your employer. Accordingly, your employer must start again with a registration of a company car with a high non-payment discount.
  • Second option: Some insurance companies, such as CosmosDirekt, offer the so-called “co-insurance customer agreement”. Here, a person brings the already experienced no-claims discount (SFR) on loan to a company. If this person leaves this company again, she will take back her then valid SFR personally. The SFR belongs to the person. Then the company must be switched to class 0.

Resulta ng larawan para sa car insurance

What should I tell motor insurance if I want to transfer percentages?

In order to be able to transfer the SF class, an appropriate form, the SFR assignment, must be completed. In this all relevant points are queried, old and new policyholders must each make a statement. An SFR assignment consists of four sections:

  1. Vehicle and contract data (the assignee is always referred to as “third party”)
  2. Duty to claim a no-claims discount (confirmed with signature)
  3. Specify conditions (travel times by car of the person delivering, family relationship, driving license data)
  4. Confirmation of the information (to be signed by both)

As a new policyholder, you will still need to enclose a copy of your driver’s license with the form. If the donor is already dead, it is sufficient to present a death certificate. Because it is also possible to inherit an SF class . The same conditions apply to this, which are also important if you want to take over car insurance.

Can percentage of losslessness expire?

An interruption of the insurance cover also has an impact on the no-claims discount (SFR). Interruptions include, for example, the termination of a contract or the decommissioning of a car. If a contract is interrupted or terminated, there are different deadlines under which the SFR expires in the car insurance:

interruption duration
What is happening?
  • Up to 6 months
  • SFR is treated as if no interruption had occurred
  • 6 months to 7 years
  • Contract remains in the SF class in which he was at contract termination
  • After 7 years
  • SFR is considered expired
  • Source: Wikipedia, http://de.wikipedia.org/wiki/Safadenfreiheitsrabatt

tip

How high or low the damage class is set after a break depends on the particular car insurer. You should therefore consult with the tariff details of the insurer or ask for possibilities for a driving and insurance break before concluding the contract.

Conclusion

Who wants to save on liability and comprehensive insurance, should do one thing above all: drive carefully . Without damage, you will then be promoted year by year to the next-better non-infringement class. To reduce the cost of car insurance for novice drivers, the parents can register the vehicle as a second car. If the child later wants to take out a car insurance himself, the percentages of the parents or the damage-free class can be overwritten to the beginner, without endangering the SF class for the first car. In the car insurance can not be transferred the discount, but only the SF class. If the insurance is changed, the SF class remains the same, but the discount can be different. Anyone who concludes a contract with the same insurer with the assumption of a damage-free class, in which the donor had his motor insurance, usually also receives the same no-claims discount. If, on the other hand, you change after the takeover, you can receive another discount or percentages.

Insurance Test: Results at a Glance

Car insurance in comparison: paying too much although contributions are falling

Resulta ng larawan para sa car insurance

The Stiftung Warentest advises insured persons in their investigation not to sit back comfortably and look forward to falling contributions through a better non-infringement class. Because even if they have to pay less , the respective car insurance can beat in comparison more expensive than necessary , if the basic contribution increases. Therefore, it is advisable to always keep an eye on the prices and services of various motor insurers.

Allianz Car Insurance Test: Focus-Money Selects Fairness

Resulta ng larawan para sa car insurance

The Allianz motor insurance better than the Stiftung Warentest in the test of Focus-Money (Issue 18/2014) from. This is carried out by the analysis and consulting firm Service Value and builds on an analysis of the insurance contracts in an online survey of about 3,000 customers. The fairness of the individual insurers in a total of six relevant categories is targeted. These include fair customer service, a fair product offering, fair customer communication, a fair price-performance ratio, fair customer service and fair claims settlement. Allianz Motor Vehicle Insurance scores very well in terms of customer service. The company also achieves a good result for its product range, its customer service and claims settlement.

Very good service at the alliance according to the car insurance test of the DISQ

The Allianz motor vehicle insurance scores in a further test, which counts on the opinion of the customer and the service heavily weighted, with a sometimes very good placement. The German Institute for Service Quality (DISQ) examines each year in a customer survey both the level of service and the price-performance ratio of different insurers. In 2014, the Allianz motor vehicle insurance in the field of service a very good quality rating. Overall, however, she placed only satisfactory in 11th place. Last year, the alliance achieved a much better overall result – and fifth place.

The different results show that in motor insurance there are always major or minor changes, but insured persons can respond. Above all, they should pay attention to their individual needs and keep their eyes open for the best car insurance.

Car Insurance Costs: Driver, car and services are crucial

Car Insurance Costs: Driver, car and services are crucial

Resulta ng larawan para sa car insurance

Vehicle owners in Germany need a hedge for their car. In addition to the purchase price and maintenance, car insurance is a major cost factor for many drivers every month. Not every insured pays the same. But how do the contributions exactly match and how can you save money on car insurance? >  The cost of car insurance depends on many factors

  • Anyone who gets a car can not afford the necessary protection.
  • Various factors determine how expensive car insurance is for car owners.
  • By comparing different offers, drivers can often save several hundred euros in car insurance.

The cost of car insurance is generally very different. How many insured people have to pay exactly depends on several factors. Motorists can partially influence these themselves. Because while, for example, a motor vehicle liability insurance for each vehicle owner is required , insured can decide on the partial or full insurance coverage. It usually applies: The more extensive the protection, the more expensive the insurance tariff. In order to save costs in car insurance, some motorists therefore refrain from additional insurance for their car. But other factors also play a role in the contributions.

Vehicle type, place of residence and driving behavior in the car insurance important

 

Resulta ng larawan para sa car insurance

The type and regional class have a decisive influence on the premiums for car insurance. Thus, each vehicle is assigned a specific type class, which depends on the damage assessment of the model. For example, if a vehicle type is particularly involved in accidents, the type class is high. This drives up the contributions in the sequence. The situation is similar with the regional class, in which the risk of the respective place of residence is classified. If there are many thefts and accidents in the residential area of ​​the insured person, the regional class increases.

Motorists who travel accident-free for years or report no damage can save money on car insurance. Because in this case increases the so-called damage class, which in turn means a discount. The longer the damage-free period lasts, the higher the claims-free class will be and the less vehicle owners will have to pay.

Car Insurance: Costs are based on driver and services

 

Resulta ng larawan para sa car insurance

An important role is played by the car insurance, the individual conditions that bring the insured and wish. For example, the premium increases with the driver’s circle. The more people are allowed to drive the car, the more expensive the protection.

Likewise, the age of the vehicle and the insured is decisive for the contribution amount . For example, particularly young or older drivers pose an increased risk for the insurer, because the risk of accidents is higher. The premium for car insurance is also based on the respective mileage of the customers. The less these are with the car, the cheaper the protection.

Tip: Many drivers are not aware that they can save costs alone with the payment method for car insurance. Depending on the provider, discounts may be offered if the contributions are paid in advance once a year instead of every month.

Car insurance for second car: potential savings at many providers

Drivers who already have a car and want to insure a second car can save money. Because depending on the provider, it is possible to get the same damage-free class for the car insurance for the second car as for the first car . However, certain conditions must be met in part, including a minimum age of drivers between 23 and 25 and an accident-free period of one year before the start of insurance.

Alternatively, many insurers offer their customers at least a so-called improved Zweitwagenregelung. The second vehicle is classified directly in non-infringement category 2, so that insured persons benefit from discounts on their contributions . However, some conditions must also be met in this regulation. Thus, some companies make the benefits of the fact that the first car is also insured by them.

Attention: How high the respective no-claims discount will be varies from insurer to insurer. In order to find the tariff with the best saving potential as well as comprehensive services, an individual comparison of the various offers helps.

Key date for change of insurance is approaching

For most drivers, this year’s notice period for car insurance change ends in just under two weeks. If the previous provider flies the notice after 30 November 2017 into the house, insured must probably remain another year customer of their previous motor insurance. The right time for a price comparison is, according to Stiftung Warentest now.

Motorists who want to be covered by a new motor insurance policy in 2018 no longer have much time to change their provider. For most car insurance ends the regular notice period on 30 November 2017 . Since it is not the date of the postmark which is decisive, but the receipt by the insurer , willing-to-change people should act quickly and compare different motor insurance policies. According to Stiftung Warentest, this is exactly the right time. Because many providers “turn until just before the end of the change season in their tariffs to outdo the competition.”

Stiftung Warentest re-examines motor insurance

Although Stiftung Warentest had already reviewed more than 70 insurers in October 2017 for the best value for money . However, due to the price reductions at the end of the notice period, the consumer organization re-examined the companies for the current financial test issue (12/2017). Thus, some of them have lowered their price in the meantime . The providers who have already convinced in the motor insurance test, but remain cheap.

The examined motor insurance was examined for three different model customers aged 20, 40 and 70 years . The offers had to meet certain minimum requirements, such as no reduction of the insurance cover for gross negligence in comprehensive insurance and the coverage of accidents with animals of all kinds.

Resulta ng larawan para sa auto insurance

These providers offer a favorable insurance coverage

Volunteers who want a favorable motor insurance liability, according to Stiftung Warentest find suitable offers Baden Badener (“comfort”) and German General (“comfort”). For 20- and 40-year-old drivers also recommend “Mobile Online” AXA Easy, “Motor Plus” HDI and the insurer Friday. Baden Badener, German General and HDI also convince the majority with their tariffs on motor insurance in combination with a partial comprehensive insurance or comprehensive insurance.