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It starts. In the next two weeks, most car owners among you will get a bill for their car insurance for the year 2020. More than 47 million cars will need a third party liability insurance in 2020 to be allowed on the street at all. Many owners will buy additional comprehensive or partial coverage and spend a few hundred euros.
If so much money is involved, there is also great potential for savings. And this shows in the motor insurance on several levels. Car owners should therefore ask two questions about their insurance coverage.
First, am I in the right contract with the right insurance for me? That means above all: do not buy anything that you do not really need!
And secondly : Do not I get exactly this protection also cheaper?
The following checklist helps with the exam:
- Full insurance, partial insurance, liability: Does it really have to be the expensive full insurance? Sometimes the answer may be yes. For example, if the car is financed by a bank loan and one could not bear the own damage in a big accident. But the answer is just sometimes "yes". Because often enough a Teilkasko-, or even a liability tariff.
- Small damages prefer to pay yourself! A deductible saves a lot of money. The standard self-participation of 300 euros in the comprehensive insurance and 150 euros in the partial insurance can save more than 20 percent on the price of the insurance.
- If I have the car repaired in a workshop that the insurer is allowed to choose, there is a further ten percent savings (so you accept a garage bond!).
- For saving almost most important: the driver's circle. Who drives everything by car? Am I alone, is the partner or partner traveling with me, are there any children who regularly use the car? Or do not the children drive their car because they have moved away, for example? If you give unnecessarily many drivers, you pay heavily!
- Who gives too many kilometers, too. Car owners should regularly adjust their driving performance. Are not the children driving anymore? Was it a job change or just a change to public transport?
- After all, many car owners pay because they carelessly pay the car insurance monthly. This installment is expensive - by the way, many other insurance. For motor insurance, the installment pays an average of eight per cent more than the one who pays annually. At least. Because it is not even considered that the cheapest providers do not offer the monthly payment. The difference between the cheapest offer and the cheapest monthly offer is therefore rich 15 percent!
"Pay only as much as you drive"
Asked for the best insurance cover, consumers get different answers - depending on who they ask. The answer of a young insurance generation is: "pay-as-you-drive" - ie "pay only as much as you drive". Insurance providers such as Friday and Emil are among them. They offer a kilometer-accurate billing of the mileage. The offers can be very attractive if motorists actually drive only 2000 or 3000 kilometers per year. Up to 30 percent can be saved - for Ultrawenigfahrer. Cheaper is then only car sharing without own car.
The tendency away from the own car actually exists. While the number of registered cars in the past decade has increased by 6 million to more than 47 million, almost half of all cars in Germany are less than 10,000 kilometers per year. The average mileage has fallen according to a statistics of the Federal Motor Transport Authority to last 13,700 kilometers.
There can be many reasons for little or no driving. So calculate by! Can you foresee that you will drive your car as a couple in the future alone? You only manage 10,000 kilometers a year? If you agree on a deductible, workshop commitment and annual payment, then you have already saved on average of our investigation at Finanztip already two-thirds of the premium - for example, the bill from 1800 to just under 600 €. With the right provider, there is now more than 40 percent savings in it.
For low-cost contracts, caution is required
But how do you find the cheapest provider? My colleagues' analysis in September showed that they should compare prices on two portals like Verivox and Check24. Or on a portal and then look again at the large direct insurer Huk24 - because he often has low prices and can not be listed on the portals. This means that you will not find the offers of HUK24 on the portal computers. In September Verivox's portals were ahead. But looking at just one portal, you can still pay up to 30 percent too much. Using each portal may cost you half an hour. But the hourly wage for the effort is considerable.
For a really ordinary insurance protection you should not conclude absolute low tariffs. You can avoid that by making sure that your policy
- Insured 100 million euros in damage,
- refrained from restricting your insurance cover if you drive in red over the traffic lights (the clause reads: "Waiver of gross negligence"),
- in the case of marten bites, also for consequential damage to the engine,
- in collisions with cows and horses as well as in the accident with the Wildsau
- and when renting a car abroad your insurance coverage is increased (Majorca policy).
Finally, the tips for car owners, where the insurers turn this year again at the price screw.
- Pensioners are particularly asked to pay. Anyone who is 30 years accident-free as a pensioner, pays on average more than 55-year-olds, who are free of accidents for so long. Meanwhile, even the insurance industry admits that. Dear pensioners, there only helps compare prices on the internet and switch.
- 6.5 million car owners should pay more in 2020, because the insurance coverage for their car model is more expensive (change the type class) and 4.2 million, because in their city or district insurance coverage is more expensive (change the regional class). For example, if you are driving a relatively new Opel Corsa 1,4D in Bremen, then both are true, and insurance coverage is even twice as expensive. Especially here, the comparison and the possible change often worth special.
