January 23, 2024 – At its peak, a deductible brings a cost advantage of 42 percent and a workshop commitment of 36 percent on the annual vehicle premium. This is shown by an evaluation by Verivox.
Die Verivox GmbH examined the offerings of 70 motor vehicle insurance companies for savings opportunities for consumers. Around 400 fully comprehensive tariffs were evaluated.
A model customer was defined for the comparison. He is 45 years old, owns a one-year-old Golf VIII 1.5 TSI, lives in 12047 Berlin, drives 15,000 kilometers a year and is classified in no-claims class 14. Premiums were calculated for him with a deductible of 300 euros for fully comprehensive insurance and 150 euros for partial comprehensive insurance.
At peak savings of 42 percent are possible on vehicle insurance
Golf VIII (Image: Mathieu Brossais, CC BY-SA 4.0)
The result: According to the comparison portal, insured people pay up to 42 percent less on their annual vehicle premium if they decide on a deductible. On average, the premium costs fall by 28 percent for a fully comprehensive tariff with a deductible of 300 euros. The model customer pays an average of 450 euros less.
As a rule, a deductible pays off after just over a year without claims, according to the insurance broker. In fact, full cost coverage by the insurer is only advisable for insured parties who cause damage at least once a year.
Anyone who reduces their mileage by 5,000 kilometers to 10,000 kilometers can save an average of 16 percent or around 170 euros.
10,000 kilometers more cost a 30 percent surcharge
The risk of an accident increases with every kilometer. The premium also increases accordingly. According to the analysis, frequent drivers who drive 25,000 kilometers a year have to pay an average of 30 percent more than a driver who drives 15,000 kilometers a year.
A workshop bond brings a discount of up to 36 percent. On average, there is a twelve percent discount (130 euros) on the vehicle insurance premium.
On average, insured people receive a further six percent or 89 euros discount if they switch from monthly to annual payment.
In individual cases the surcharges can even be up to 491 euros. If you pay quarterly or semi-annually, drivers leave an average discount of six or four percent. Conversely, an insurer discounts monthly payments by up to 22 percent and quarterly payments by up to 24 percent.
2024-01-22 23:06:02
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