Monday, 04.11.13 , written by Christian Hafler Motorists who now change their car insurance can save a lot of money next year. A recent test shows that a saving of more than 1,000 euros can result from a clever change. But beware: a cheap car insurance is not always the right choice. >
Now save money and change car insurance
Who wants to change his car insurance, should act now. As every year, insurers are once again vying for customers this November. Clever motorists can make a bargain here. A price comparison is worthwhile for almost everyone. According to Stiftung Warentest, it is even possible in some cases to save almost 3,000 euros.
Change car insurance: Everyone can save
The savings potential of car insurance is higher than that of any other insurance company. Since many insurers will increase their prices at the turn of the year, tens of thousands of motorists are currently thinking about changing their car insurance. For many of them, it is worth taking a few minutes to compare the offers. Even if you do not want to change the provider, you should take a closer look at the prices and conditions of the other insurers. Many providers can indeed negotiate with them, if you put them a cheaper offer of the competition on the table.
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Save with the change over 1,000 euros
A recent study by the independent Institute for Insurance shows the average savings when motorists change their car insurance: The price range between the most expensive and the cheapest car insurance according to the study result is around 1,300 euros. Another investigation of the Stiftung Warentest promises even more: With a change in individual cases, it is even possible to save almost 3,000 euros in motor insurance, it says in the current motor insurance test 2013 by Finanztest.
Change car insurance: decide for a test winner
Insured people who want to save and change money in the coming year must now look for a new provider. Where there are the good rates, you can read in current tests. In the magazine Finanztest (issue 11/2013), for example, the motor liability insurance policies of DA Deutsche Allgemeine (Basic and Comfort) and Direct Line (Basic and Classic) were named test winners. Motorists looking for partial comprehensive insurance are in good hands with DA Deutsche Allgemeine (Comfort), Direct Line (Basis and Klassik) and Hannoversche, according to the financial test. The best liability insurance with comprehensive insurance, according to the testers according to Direct Line (Basic and Classic), DA German General (comfort) and Asstel (Plus).
Price, performance and service of the car insurance test
Another study, which focused on the fairness of motor insurers, has recently produced quite different test results. In a customer survey conducted by Service Value, insureds selected the direct insurers Asstel, ERGO Direkt, Hannoversche Direkt, HUK24 and the providers AachenMünchener, ADAC, DEVK, HUK-Coburg, LVM Versicherungen, Signal Iduna and WGV as test winners. At least here it is clear: When the car insurance is not just a good price. At least as important are customer-friendly conditions and a good service from the provider. If you just switch to a cheap car insurance, you have to do without it in case of doubt.
Change car insurance until 30th November 2013
Before changing car insurance, it therefore makes sense to compare the price, performance and service of insurers in detail. This works best with a free car insurance comparison on the Internet. If there is an offer here that makes the change worthwhile, the termination must be received by the old provider by November 30, 2013 at the latest. For motorists who miss this deadline, their current contract with the current insurer will be extended for another year so that they will not be able to change their car insurance until next fall.
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- Christian Hafler
- editorial staff
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