Don’t forget: Until 30.11. you have to change your car insurance to save money. Read here what to consider when changing insurance. But beware: motorists can have a decisive influence on car insurance costs. The information provided when concluding the contract can double or significantly reduce the contribution, as the Verivox consumer portal emphasizes.
Is the driver pool still up to date? Low costs can be achieved if the group of drivers is limited to the policyholder. It becomes expensive if, for example, you declare that an 18-year-old also drives the car. The latter can almost double the average insurance premium.
Anyone who insures young drivers pays a high risk premium. If the youngsters later have their own car, it is often no longer necessary,” says Verivox. In this case, you should remove this expensive option from your contract.
Does the driving performance correspond to reality? The number of kilometers driven each year also has a significant impact on the insurance premium. With a mileage of 5,000 kilometers, it is significantly reduced compared to a mileage of 15,000 kilometers. Therefore, drivers should check annually whether the kilometers provided by the insurance company are still correct.
Any discount missed? A little additional information can significantly reduce annual costs. Anyone claiming to be an officer can reduce the premium by a percentage. Garage owners also get a discount. Home ownership is also considered discounted, to give a few examples.
Is the free choice of workshop really necessary? If the vehicle is taken to one of the insurer’s partner workshops in case of damage, the annual premium is significantly reduced. Many insurers have a wide network of associated workshops and the car can be picked up and delivered. Those who want to decide for themselves where the car is repaired pay an average of 14 percent more.
Does it cost more performance? A number of additional fee services enhance insurance protection, but of course this also increases the annual insurance premium. For example, anyone who opts for extended wildlife protection and also insures consequential damages for marten bites and gross negligence pays a surcharge.
Comprehensive insurance discount protection prevents downgrading to a more expensive no-claims class in the event of a claim. However, it significantly increases the annual costs.
Wrong information is worthless : However, attractive benefits should never tempt consumers to provide false information to their auto insurance company. In the worst case, parts of the insurance cover may be lost and there is a risk of high additional costs.