–
You have the option to switch to a cheaper car insurer until the end of November. Since there are different types of insurance with considerable price differences, it is possible to save a few hundred euros in individual cases.
Most motor vehicle insurance policies can do this end of year canceled if the calendar year coincides with the insurance year.
The notice period is one month. Therefore the cancellation letter must be sent no later than November 30th. received from your previous insurer.
There is also a Extraordinary right of withdrawal. If the insurer increases the premiums for the following year, you have one month to cancel after receiving the increased invoice.
For insurers where is the main due date of the insurance premium day of hospitalization the normal notice period ends one month prior to the admission date.
After canceling your existing car insurance, you should take out a new car policy as soon as possible, because car owners in Germany are obliged to take out insurance. Various comparison portals on the Internet help with the search for a new provider.
What do I have to consider with comparison portals?
Several comparison portals in the Internet provide an overview of the offers of different insurers. They advertise that they can filter out the cheapest insurance.
When doing your research, keep in mind: Most of the free internet portals receive a commission if the insurance is taken out on their site.
Not all portals take into account all insurers and all contract variants when searching. In particular, the cheap ones are coming direct insurer not available in some provider-funded portals.
It makes sense to compare the ratings of different portals. The Stiftung Warentest offers financial independence from the insurance industry and the comparison of almost all motor vehicle insurers Overview of motor vehicle rates. The unlocking of the table costs 4.90 euros. The Federation of Policyholders (BdV) also promises an independent one online comparison.
What is important when comparing services?
When comparing auto insurers, it’s important to not only look at the price, but also at the agreed price insurance benefits compare exactly.
Which services are particularly important:
-
Special equipment such as built-in navigation devices must be insured at no extra cost.
-
Passenger accident insurance is usually superfluous, because the passengers are protected by the driver’s liability insurance.
-
The amount of liability coverage should be at least EUR 100 million.
-
In full accidental damage insurance, the insurer should refrain from objecting to gross negligence.
-
In the event of accidents with wildlife, damage to animals of all kinds must be insured.
-
The consequences of marten bites should be paid. Especially with electric cars, such damage can cost money.
-
The update of the contribution after an accident damage should only take place starting from the second damage of the year.
How can I reduce my insurance premium without notice?
Anyone who has used their car less than usual due to Corona because it is out of the Home office has worked and decided not to take the car on vacation can also save.
Mostly motorized commuters it should have thousands less miles on the odometer than the insurer was given when the car policy was taken out.
Significant changes in mileage should be reported to the insurer at the end of the year so they can adjust the insurance amounts accordingly. In this case, no cancellation is required.
Can it even be worth negotiating?
If you don’t necessarily want to switch insurers, you can try best conditions negotiate. Insurance companies often offer a recalculation if the client asks or threatens to cancel.
It is useful to find cheaper offers from competitor call.
To report special circumstances or agree on certain special rates:
-
Those who parked on the street at the start of their contract but now use a garage can expect a lower rate.
-
If you only put a limited number of drivers behind the wheel, you save up to a third of the contribution.
-
If you choose a workshop tie-in rate, you can save around ten percent of the premium.
-
With a telematics tariff, which is used to record your driving behavior, you also save around ten percent.
Inquire about discount offers before signing the contract!
(SM)
