Car insurance: This is how pensioners, novice drivers and commuters can save up to 2000 euros
Created: 2022-11-08 13:21
By: Patricia Huber
At the end of November, the key date for changing car insurance is again.
Pensioners, commuters, novice drivers and Co. can save a lot, as our comparison shows.
Munich – Inflation has now also reached motor vehicle insurance.
It was only a matter of time before the price screw was turned here as well.
It is therefore worth keeping an eye out for a new and better tariff this fall.
The deadline for this is usually November 30th.
In most cases, policyholders can terminate their contract on this day in good time if they hope to save money by changing, for example.
Basic gas supply, car insurance, PayPal change: This will change from November
View photo gallery
And there are obviously plenty of opportunities to save.
This is shown by the insurance comparisons from Check24.
The comparison portal has calculated for
Merkur.de
how much novice drivers, commuters, pensioners and e-car drivers can save by changing insurance this year.
Car insurance: Novice drivers can save the most
Change of insurance on January 1st, 2023,
woman (born 2003)
, participation in accompanied driving, single, student,
Smart Fortwo Coupe
1.0 (1313/AHN), first registration: January 2015, purchase & holder registration: April 2022, cash purchase, only private use ( incl. commute),
8,000 km/year
, vehicle user: policyholder, no residential property, road (public), annual ticket for public transport,
liability (SF 1/2) and partially comprehensive insurance with 150 euros self
-service charge, choice of workshop: all tariffs, annual contribution payment;
First vehicle, owner: policyholder, no points, without telematics, 81929 Munich
Motor vehicle insurance for commuters: potential savings of up to 790 euros
Change of insurance on January 1st, 2023,
man (born 1991)
, marital cohabitation, employee, no children in the household,
Opel Astra
-J 1.7 CDTI (0035/AKO), first registration: January 2013, acquisition & owner registration: February 2015, cash purchase, only private use (incl. commute),
25,000 km/year
, vehicle users: policyholder, condominium, parking space (public), ADAC,
liability (SF 9) and comprehensive insurance (SF 9) with 300 euros self-service incl. partial insurance with 150 euros self-service
, choice of workshop : all tariffs, annual premium payment;
First vehicle, owner: policyholder, no points, without telematics, 80939 Munich
also read
Luxury life with a pension of 1000 euros: 74-year-old lives the dream
Pensions are expected to rise sharply in 2023: table shows how many more there are
Even retirees can save on car insurance
Change of insurance on January 1st, 2023,
man (born 1955)
, married, pensioner, no children in the household,
Mercedes-Benz E 200 CDI
(1313/BHJ), first registration: April 2014, purchase & holder registration: May 2017, cash purchase, only private Use (incl. commute),
7,000 km/year
, vehicle users: policyholder and spouse (born 1960), no residential property, parking space, BahnCard 50,
liability insurance (SF 40) and partially comprehensive insurance with 150 euros self
-service charge , choice of workshop: all tariffs, annual contribution payment ;
First vehicle, owner: policyholder, no points, without telematics, 80995 Munich
E-car drivers: Changing insurance can be worthwhile here too
Change of insurance on January 1st, 2023,
man (born 1965)
, married, employee, no children in the household,
Fiat 500 e
(43/70/87 kW) (1727/AVN), new purchase & owner registration: August 2022, cash purchase, only private Use (incl. commute),
14,000 km/year
, vehicle users: policyholder and spouse (born 1964), no residential property, road (public), annual ticket for public transport, ADAC,
liability insurance (SF 34) and comprehensive insurance (SF 34) with €500 SB incl. partial insurance with 150 € SB
, choice of workshop: free, annual contribution payment;
First vehicle, owner: policyholder, no points, 81543 Munich
Car insurance premiums increase by an average of more than ten percent
The calculations clearly show that an insurance comparison is worthwhile.
Michael Roloff, Managing Director for car insurance at Check24, explained that price developments are "currently difficult to predict", but the portal still expects premium increases of over ten percent on average.
The main cause of the development is claims inflation.
The car manufacturers increase their spare parts prices every year, and cars themselves have also become considerably more expensive.
If the insurance companies do not want to slip into the red, they must also raise their prices.
In this respect, the bargain hunt this year could be different than usual: instead of cheaper contracts, drivers may be looking for policies where the price increase is limited.
(ph)
