Stiftung Warentest tested 164 tariffs and the result is clear: If you regularly compare and change your insurance, you can avoid high premiums.
Don’t forget the notice period!
If a change is an option for you, don’t forget to cancel your existing insurance in good time. This year the deadline is November 30th, but since it falls on a Saturday, the deadline is extended to Monday, December 2nd, 2024.
What insurance do you need?
- Motor vehicle liability insurance (mandatory)
Motor vehicle liability is required by law and essential for every driver. Since the services of most providers are almost identical, you can choose the cheapest tariff with a clear conscience.
- Comprehensive insurance (voluntary)
Comprehensive insurance is voluntary, but makes sense because it covers damage to your own car. Partial insurance protects against damage caused by theft, fire, wildlife accidents, storms, hail or floods. Fully comprehensive insurance also covers damage caused by self-inflicted accidents and vandalism.
>>> You can save money with these insurance policies!
Save without changing providers?
If you don’t really want to switch, you can lower your contributions this way. Take a closer look at your contract:
- Workshop loyalty: If you decide to join a workshop where you only visit certain workshops, this can give you a discount of up to 20 percent.
- Mileage: Check whether you have driven fewer kilometers than stated when you signed the contract. If so, you can report it and get part of the contributions refunded. But make sure that if you drive more kilometers you have to report them later, otherwise you risk higher costs.
- Restrict driver group: Did you specify a large driver group with your insurance company? If only one or two people use the car regularly, you can adjust this and reduce the contribution.
Which insurers are doing well?
According to Stiftung Warentest, it is still better to compare all providers again and change if necessary. Offered in the test Admiral Direct the best car liability insurance. Anyone looking for a cheap tariff for motor vehicle liability insurance and If you are looking for partial comprehensive insurance, you can ADAC basic tariff in good hands. Both providers also offer good tariffs for fully comprehensive insurance with a recommended minimum protection.
