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If you want to drive a car on public roads within Germany or the European Union, you are Committedto take out insurance for the vehicle. This insurance protects the driver in the event of an accident and, depending on the type of insurance, even covers your own accident costs. This applies to damage to your own car, any compensation for pain and suffering and financial losses are usually included. And if you are well informed, you can save a few euros when choosing the right insurance. In this article we clarify the most important questions on the subject car insurance.
Change car insurance?
If you are planning to change your car insurance, it is important to find out beforehand about the circumstances and the offers of the insurers. Choosing the right insurance is not the only important factor. Also within a certain type of insurance There may be significant price differences between insurers. In order not to make any mistakes, you should note the following:
- Next After canceling your old insurance, you should carry out an insurance check. You will find various portals on the Internet where you can compare different insurance companies and choose the best one. Especially novice drivers often have to pay the maximum rate. This is a way to find a contract on lower terms.
- It is necessary in When taking out a new insurance policy, the notice period for the old insurance policy must be observed. For most insurance companies, the cut-off date for termination is November 30 of the contract year. You can also find more detailed information on this in your contract.
- If you plan to drive your car all year round, then you should consider the new insurance on the 1st day after the end let the old insurance begin. So if your current insurance ends on December 31.12.2022, 01.01.2022, your new insurance should start on January XNUMX, XNUMX. Otherwise, you may not use your vehicle on the road for the period in which it is not insured.
Which insurance is the cheapest?
It is not possible to say in general which insurance is the cheapest. Because this depends on you and the vehicle. However, you can follow a few basic “rules” when choosing the right type of insurance.
- Liability insurance are considered to be the cheapest of all. This is why they offer the least protection. For example, if your car is involved in an incident, only the costs are usually reported here of the other participants reimbursed. This is therefore worthwhile if your vehicle only has a low current value and if the repair costs are low in relation to the insurance fee.
- If you own a high-value vehicle, it may be worth getting one Partial or fully comprehensive insurance to complete. The fully comprehensive insurance fully insures your car in almost all accidents, but it is no duty. In the case of partially comprehensive insurance, depending on the provider only part of the car insured. Self-inflicted accidents are mostly not included. But it is a lot cheaper than fully comprehensive insurance.
- Expect to be only a little drive her car? Then a "number per kilometer“ Insurance for you worthwhile. In this case, you specify the probable range that you will cover with your car beforehand. If you drive less, you will usually be reimbursed for the kilometers not driven and if you drive more, you will have to pay accordingly. However, this can be expensive.
As you can see, when choosing the right insurance, it's worth checking again. Even if you have current insurance for your car, you should check it out regularly look for cheaper alternatives. With the right protection for your car, you can save a lot of money. And that applies to new cars, used cars and vintage cars.
Are you planning to buy a new car and are you therefore looking for financing? Or should the modified baby and its attachments simply have the best possible insurance? Then ours Credit, financing, leasing, insurance & Co. categories exactly the right place to go for information. And also cheap financing for Accessory parts is there. Is the new one forged wheel, the planned Airride air suspension or the one you want foiling too expensive? Then a little one might help Financing in the process of implementing the modification on the vehicle. And also the topic Leasing or the vehicle sales are not neglected here. Just click through the posts and get the answer to your questions.
Of course, that wasn't the end of it!
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