Monthly Archives: October 2018

Compare car insurance pays off

Car insurance should be checked every few years by means of a car insurance comparison , even if there is no need to change the vehicle. Often, however, drivers compare the fare during a vehicle change. If no advisor is present from the basic insurance, unfortunately the first and best available offer with nearby insurance with registration office or at car dealerships is used. Very often this selection is not bad. In particular, car dealerships often find inexpensive conditions with insurance companies through their cooperation. Maybe there is the possibility to get insurance with excellent conditions. Ask for the best discounts, get them with a little luck. The internet is an optimal basis to make inquiries and get offers. You should do this a few days before buying a car.

Not all car insurance companies are independent

Not all car insurance companies are independent

 

The terms and conditions of the insurance companies are compared by numerous rate calculators. The best offers are listed here. However, not all comparison portals work autonomously and all insurers are taken into account. Some providers will receive a commission like a broker if they take out insurance through their side. About possible cooperations is sufficient to have a look in the imprint. The tariff calculator of Stiftung Warentest, for example, works independently. However, the evaluation will be charged with five euros. Secure information can be obtained from the Federation of Insured Persons (BdV) through a free comparison of insurances. At a change in the motor insurance earns according to own data of the BdV nothing. When comparing offers, you should focus not only on the price, but also on the terms of the contract.

Consider price / quality ratio

Consider price / quality ratio

 

With the liability insurance a minimum coverage of 100 million euros is recommended. Gross negligence should be included as well as damage from collision with any kind of animal and its consequential damages. Non-contributory coinsurance should be provided with optional extras such as built-in navigation devices. With new vehicles not only the time value, but as long as the new value should be paid. If you do not want to change your car insurance, you can still try to negotiate cheaper terms. Often car insurance companies offer a recalculation, if you persistently ask for it or even threaten with the termination. Car insurance is generally cheaper if the car has only one driver or you belong to a selected professional group, such as the public service.

Car insurance – expensive for seniors

Even if you can hardly believe it, but also seniors pay many insurance for much more for their liability and their collision than you think. If they have gone down even further, today it is the case that many insurance companies also regard older motorists as a potential danger to road traffic. And that is no accident. For now studies prove that many older people are no longer physically able to drive a car, but do it anyway. The reason for this is ultimately that they simply do not want to travel by public transport and therefore fall back on the car, even though they may not even feel so comfortable with the fact that they expose themselves to road traffic. The car insurance paid the seniors grumbling therefore, however. So the higher contributions are not part of the background that insurance companies know that senior citizens can afford the insurance anyway through their pension.

 Just as punished as young people

 Just as punished as young people

Ultimately, however, it is the case that older people are now self-employed for much longer. That is, they ultimately try to save elsewhere, just so they can continue to afford their car. Seniors do not have the right to a lower contribution rating. It is indeed a matter of judgment, because if the insurance seniors equated with novice drivers and the whole thing is therefore quite expensive. However, the elderly do not usually have the advantage that they could take out their insurance on the children. That is not the case with many insurance companies.

Give the pencil out of hand on time

Give the pencil out of hand on time

For this reason, it makes sense that the senior citizens realize in time that driving them may be too expensive. And they can then save the money and maybe even take a trip. This can help them really enjoy the evening of their lives. A whole series of tips on how to save on car insurance in old age, there are of course. This includes the restriction that you drive no more than 9000 km per year. Many seniors do not do this anymore. They only drive for shopping or drinking coffee in the countryside.

Car Insurance in Sweden

Sweden is a popular emigration country for Germans.

Sweden is a popular emigration country for Germans.

 

The proximity to the North Pole and the Northern Lights and much more … If you have chosen Sweden as your new home, you usually take your car with you as well. And then you need a Swedish car insurance in Sweden. One should know that the insurance in Sweden are subject to different regulations than the insurance in Germany. The insurance companies have very funny names from the point of view of Germans. Hemförsäkring, for example, is Swedish household contents insurance. This is similar to the German form of home contents insurance and includes a travel insurance and a legal expenses insurance. The Livförsäkring is the life insurance, which occurs in the event of death with benefits. And the Barnförsäkringar is a special child insurance, which pays compensation in the event of illness or disability in children.

Further insurance

Further insurance

Then there is the Pensionsförsäkring in Sweden, a pension scheme that increases the pension when the retirement age is reached and the normal pension is insufficient. Finally, the Bilsförsäkring is the Swedish car insurance company. In Sweden there are no damage-free discounts as in Germany. Instead, it depends on how long the insured has the driver’s license . A maximum of 15 years is taken into account. If several insurance policies are taken out with an insurance, a discount may be negotiated or it will be offered at the same time. The insurance does not play a role for the foreigner in Sweden.

Cost of living Sweden

Cost of living Sweden

The insurance in Sweden is quite expensive. But not really more expensive than in Germany. The cost of living is comparable to that in Germany. But in the end, in many areas – including insurance – the Swedes have to pay a lot more. Of course you can compare insurance in Sweden as well. However, there are not as many as in Germany. Driving there with a German driver’s license is no problem. Most emigrants will sooner or later rewrite their driving license. Also the car has to be re-registered. The fees are also a cost factor that is not to be despised in Sweden. Overall, there are very big differences to Germany and the prices and what you get there and here.

Germans and their all-inclusive mentality

The “tighten belt”, the Germans do not want. If you prefer to do without children or a new kitchen, you prefer to go on holiday, to a luxury resort, or buy an expensive, sleek car. But even if inflation rose and the cost of living skyrocketed, Germans would still pay in with the many insurance companies they have. In addition to the necessary car insurance (usually in the form of a comprehensive insurance), there are many other insurance, the Germans have completed, usually many years ago. But most are missing the really important insurance in the household. These include supplementary health insurance or private pension insurance and legal protection. Especially today, when people often attack each other earlier than before, it is more important than ever to have such insurance.

Posts very high 

Most Germans want to be protected just in case. Therefore, it does not bother even if after 12 months of repeated maturity again a contribution increase flutters into the house. The pain threshold is far from reached in many. However, it is a fact that contracts are renewed automatically every 12 months, if you do not cancel them 3 months in advance or a month before, like in car insurance . That contracts simply expire after a few years – that is rare in Germany. The insurance industry makes every effort to ensure that its agents work customer-oriented. But as long as these bonuses are received you will probably achieve no respectability. The representatives are sometimes much too “money”. The contributions are very high. Every year, Germans pay about 54 billion euros for their insurance.

Full insurance required?

 

 

But even with the most expensive insurance – the car insurance – but the question is to ask whether the full insurance (all-around carefree) is really necessary. Often, the services also overlap. This is especially true in car insurance. And a car over 10 years old does not necessarily have to be fully covered. The partial coverage is sufficient here completely. You can save a lot of costs. Direct insurers are cheaper. But the comparison of the offers of insurance is worthwhile, which have a local branch. Personal contact is also worth a lot.