Buying a car is often expensive enough. It is therefore all the more important to take out cheap and good car insurance. Basically: A liability insurance needs in Germany have each wagon keepers - all other policies are voluntary. On a full or partial coverage insurance yet hardly anyone wants to do without, because it jumps in damage to your car, and can even prevent the personal financial ruin under circumstances. We'll show you how to prepare your application for a car insurance optimally and thereby find the best price / performance ratio for your insurance coverage. With the right tricks savings are possible up to several hundred euros.
Indispensable: The liability insurance
Any motorist in Germany must have a motor vehicle liability insurance. Legally personal injury must be covered up to at least 7.5 million euros, 1.12 million euros to property damage and financial losses to 50,000 euros.Most insurers offer already in its basic rate to a much higher loss amount of a lump sum of 50 or 100 million euros. In others, the Police costs with such higher coverage levels low additional contribution.
Partial coverage or fully comprehensive?
Your own car is not protected by your auto liability insurance. That is why it is advisable to take out a voluntary car insurance. You have a choice between semi-comprehensive and fully comprehensive insurance tariffs .
For these damages pays the partial coverage
The insurance cover can be extended to damages caused by animals of all kinds, or by gnawing. Comparison portals like Check24* or Verivox* allow you to choose the right insurance. Here you can see the extra costs for additional services quickly.
For whom is the partial coverage worth?
To the refund of the costs of accidents, the current value of your car is prepared. Is your car very old and has only a few hundred euros residual value, the worth Teilkasko not. The risk that your car is stolen, then in any case low. Otherwise, the partial coverage insurance damage that can quickly run into thousands of euros.
For whom is the comprehensive insurance is worthwhile?
The car has full insurance protection of partial coverage and covers beyond damage to your own car by self-inflicted accidents and vandalism from. The assumption that fully comprehensive counted only for new cars, not always true.
Already three or more years without damage and offers conveniently Region, Comprehensive can be even cheaper than partial coverage. Indeed, contrary to the partial coverage here will receive a premium discount.
Deductible: 150 euros in the partial coverage, 300 or more in the full insurance
Minor damage to the car you enter as part of a deductible (SB) itself. This will give you a rebate because your insurer, thus saving administrative costs.
For partial coverage we recommend 150 Euro deductible because the worth on average for most drivers.
For the Comprehensive choose the most 300 Euro deductible. In order to do basically nothing wrong. Financial tip but just that it may be worthwhile also to agree on a higher SB in the fully comprehensive. Details please refer here .
Our money-saving tips for your car insurance
How much you have to pay for your car insurance, depending on the assessment of your risk of damage by the insurer from. Create the provider your risk profile based on numerous information that you must provide during the application process.
Select this option on the comparison portals
The following rating factors should you include in any case in your car insurance. In comparison portals clicking these options:
Increased amounts of cover - Closes only tariffs from which have 50 or 100 million euros as the sum insured and thus you guard against serious accidents.
Gross negligence - Should an insurer on the plea of gross negligence, it can not reduce the benefits payable if you cause an accident for example, after crossing a red light. Still not insured your car when you are driving under the influence of alcohol or drugs, or if you allow the theft of the car by gross negligence.
Mallorca-Police - This option increases coverage for rental cars in other European countries to German levels. So that you are well insured on holiday. The Mallorca-Police today costs often no longer serve.
Marten damage with consequential - tube damage by a gnawing may be unpleasantly expensive, especially when the engine is damaged as a result. Martens are active also in cities. Often the reimbursement for damages is limited to 3,000 euros.
These are discretionary options
The following rating factors can be a useful complement, depending on your individual situation, but sometimes cost a significant extra cost:
Driver protection insurance - especially if you have no disability or accident insurance and are frequent travelers, a driver's insurance comes into question. You pays your loss of earnings and pays damages for a self- or mitverschuldeten accident. Cheap policies are to be had for about 25 euros per year. They should not be confused with the personal accident insurance , which we advise.
Advanced game damage - By default, pays the partial coverage only in case of accidents with ground game, ie mainly with deer and wild boar. Especially if you are traveling a lot in rural areas, the option "Advanced game damage", which then for example also covers clashes with cows or horses worth.
Discount protection - To keep your SF-class, it is often worthwhile to arrange a discount protection.Statistically it's worth it if it costs significantly less than 100 euros in respect of liability, and significantly less than 200 euros in the full insurance.
Personal Accident Insurance - driving in your car with someone and is injured in an accident, or even killed, the costs are covered by a personal accident insurance, if you have one completed. But such damage anyway either by the motor liability insurance covers the person causing the accident or in self-blame by your own motor vehicle liability insurance. The personal accident insurance jumps practically only if after an accident the insurance of the person causing the accident the damage is not covered because of a hit and run. In such cases, however, helps the Verkehrsopferhilfe . That's why we advise you on the outcome of such policy.
Auto Schutzbrief - Some letters of protection to pay for a rental carand provide personal services such as repatriation, medicines care abroad and death, the acquisition of Burial or transfer costs. However, similar benefits you receive often cheaper than a travel health insurance and mobility warranty of the vehicle manufacturer. Many manufacturers now offer the mobility guarantee for a longer period than three years, when the vehicle is regularly serviced in a workshop. In compensation limits that are often only at 100 euros for the Breakdown and 150 Euros for towing, the letter of protection in case of damage provides only limited assistance.
Personal accident insurance - it provides similar services as a driver protection insurance. How much you will get after an accident, but depends here on the chosen coverage level and the degree of a possible disability from - and not from the actual harm. If you want to be sure that you are covered in a car accident in full, you should therefore prefer the driver insurance.
Free choice of workshop - Same as above under "Accept Workshop binding an" already described, it pays off, if the insurer is entitled to determine the workshop. Only for vehicles with still valid warranty or lease free choice of workshop should be chosen.
How to find the best rates
Comparison websites on the Internet are the most convenient point of contact for you in order to get a cheap car insurance.
We have to change insurance season in November 2014, the comparison portals Check24* , Verivox* tested and Nafi car based on 32 sample profiles.
The best comparison portal does not exist. The best way is for you if you perform two comparisons: one onCheck24* , an on Verivox* . Ensure that you receive in all cases, a very good result. Open best two windows, one for a portal, and compare results. Orient yourself with the inputs to our recommendations above and check the fare details, as described below. The time spent on both portals together is about half an hour.
Only use a portal is far dangerous because it occurs again and again that a portal significantly worse price offers than the other. Only those who want to get a few more euros, used to Check24* and Verivox* still Nafi car (see below).
