Car insurance: these are the best and cheapest providers in Germany

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The best car insurers

Deadline: November 30. To this day, many auto policyholders are able to cancel their provider early and switch to another insurance company. And a comparison makes sense to save money and improve performance. A test shows which car insurers are the best.

Many motorists have marked November 30 on their calendars. To date, many car insurance policies can be canceled and you can change providers. The test of the German Institute for Service Quality shows that it can often be improved with a change.

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In the sum of insurance premiums, benefits and online service, motor vehicle insurers did well. Overall, with 76.1 points, direct insurers performed slightly better than insurers with a network of intermediaries (72.4 points). Two direct insurers get “very good” quality rating.

Great savings potential

The cost of auto insurance varies widely between branch and direct insurers and their different rates. In the twelve scenarios examined (three user profiles in combination with four car classes), it turns out that those who choose the cheapest supplier instead of the most expensive can achieve maximum savings of more than 27 percent; this applies both when comparing the cheapest basic and high-end Comfort fares. In individual cases, the savings potential is even 50 percent and more.

The general rule of thumb “basic rates win price points, comfort rates are more powerful” often applies, but not always. The best basic trial rates have more extensive insurance features than individual comfort rates.

In return, there are also comparatively cheap rates in the premium rate segment. Markus Hamer, Managing Director of the German Institute for Service Quality, sums up: “The Internet is also becoming increasingly important as a service channel, even for companies with a network of intermediaries. Car insurers are generally well positioned here. in terms of Customer Orientation Who has a When considering and comparing a change of provider, you should not ignore the service aspect, in addition to the costs and services.

The best branch car insurers

winner of the test of the insurers of the automobile sector HDI with the quality rating “good”. Both the insurer’s basic rate and the insurer’s comfort rate are convincing in the test: the company achieves first place in both product categories. The attractive insurance premiums of the comfort rate and the good insurance features of the basic rate are also decisive. Also, HDI offers a good online service with a very user-friendly website.

secure second place HUK Coburg (Quality rating: “good”). The provider convinces in the product analysis, especially with the comfort rate, with an extensive insurance team – only an insurance branch offers even greater coverage here. The basic rate scores above all with low costs. In addition, HUK-Coburg offers the third best online service of all car insurers evaluated.

axa (Quality rating: “good”) achieved third place among insurers in the branch and is distinguished by good online service: the website has, for example, useful information on the process of concluding a contract and easy navigation to use a motor vehicle rate calculator. In the product analysis, the comfort fee convinces with a very wide range of services.

Top 3 Direct Motor Vehicle Insurers

direct motor insurers test winner cosmos direct (Quality rating: “very good”). The provider convinces with the best online service in the entire sector and very good conditions for the basic and comfort rate. The website stands out, for example, with numerous contact details and extensive product information. The comfort rate impresses with attractive insurance premiums and very good equipment; the basic rate also offers very good value for money.

take second place HUK24 (quality rating: “very good”). The comfort rate achieves the best result: The most comprehensive insurance package in comparison is accompanied by attractive insurance premiums. The online service is the second best among direct insurers: the website is characterized by a high level of information and ease of use.

Third follows Friday (Quality rating: “good”). The insurer stands out for its very good results in product analysis. The basic rate is the best in comparison, although the scope of services is also convincing, for example with the fundamental exemption from the deduction new for old. When it comes to online services, the user-friendliness of the website scores particularly well.

(This article was first published on Wednesday, October 5, 2022.)

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