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
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
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.