October 28, 2020, 9:23 am
Every year again. The changeover season in motor vehicle insurance has started. Verivox wants to give drivers tips.
Car insurance: collect discounts and lower premiums
Home, garage and work – with a few details, drivers can quickly reduce their insurance premiums by twelve percent. The comparison portal Verivox has evaluated the discounts for around 400 tariffs. And there were surprises: a surcharge is sometimes due for garage vehicles.
Garage car even more expensive in exceptional cases
A classic among car insurance discounts is on the decline. Only 35 percent of all tariffs make a difference between garage cars and vehicles parked on the roadside. The discount for garage cars reaches a maximum of ten percent. One insurer even surprises with a higher price and charges four percent more.
Public service: an average of four percent discount
Public service employees receive their own offer for 82 percent of all tariffs. On average, they pay four percent less. The highest discount is eleven percent. A tariff, on the other hand, demands two percent more from public servants.
Home builders: Up to ten percent discount
Home ownership pays off at 59 percent of all tariffs. Ten percent is the highest discount, two percent the lowest.
Small children – discounts and surcharges
Nine of the 70 insurers grant a discount for families with children in the household – a maximum of eight percent. With two insurers, parents pay even more – up to six percent. The tariffs were calculated for a family with two children between the ages of five and ten.
Professional discount only rarely
Outside of the public service, professional discounts are rare but worthwhile. An engineer receives a discount on twelve percent of the tariffs and in the best case pays twelve percent less. Only two insurers offer discounts for ADAC membership. Two insurers also reward possession of a Bahncard and an annual ticket for local public transport with a price reduction.
Combine discounts – save twelve percent
No insurer gives all discounts. And a discount only helps if the tariff is generally cheap. A comparison of the ten cheapest insurers shows that the information is worthwhile. If you combine a discount for public services, your own home, family and garage, you lower the price by twelve percent. In the model case, that’s 60 euros.
“Only an individual premium comparison reveals the actual savings potential for every driver,” says Wolfgang Schütz, managing director of Verivox Versicherungsvergleich GmbH.
Photo: Shutterstock
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