Car insurance: ADAC tips
If you have a car and want to use it, you have to get car insurance. Until November 30th you can cancel your current insurance and look for a new one. Here you can find out what you should consider and how you can actively save money by making the right decisions.
Of the General German Automobile Club (ADAC) is the first point of contact for many in all matters relating to motor vehicles. The ADAC also has a few important tips for car insurance, which we will list in the following guide.
Looking for new car insurance? Help with choosing insurance
When choosing a new insurance provider, you should make sure that you can pay at intervals that are as long as possible. Transfers contributions preferably annually, not monthly or quarterly. The more often you pay, the higher the total amount that you have to pay monthly.
If you want to save some money, you should look like in the supermarket discounts Looking for. For example, if you are a civil servant or work in the public sector, the insurance cover may be cheaper for you. Even if you are a member of an automobile club such as the ADAC or have already completed driver safety training, you can keep the costs down.
Change car insurance: Deductible & workshop commitment
Once you have chosen a provider, you are faced with the decision of whether you want your partial or fully comprehensive insurance with or without a deductible. If you are willing to pay a small amount in the event of an accident, you will pay less to the insurance company. Normally you should start with a deductible of 150 euros with a partially comprehensive insurance such as 300 euros for comprehensive insurance be on the safe side.
Another option you can opt for is this workshop binding. This means that in the event of damage, you bring your vehicle to a partner workshop of the insurance provider. The concept will too workshop tariff or workshop bonus called. If you agree, you can scarcely Save 20 percent. Before you agree, however, you should find out whether the workshop is close to where you live and whether it offers a delivery and collection service including a replacement vehicle.
Drive safely – Pay lower insurance premiums
In general, it pays to drive carefully and with foresight: You can measure that with the telematics app. Information about your behavior in braking situations, when accelerating, cornering and your speed is recorded and forwarded. If you avoid risks, you may have to pay up to 30 percent less to your insurance company.
The risk for you and your insurance is lowest if you don’t move the car. Therefore also has the Number of kilometers driven annually an impact on the amount. If you regularly read and pass on the kilometers driven, this can reduce the costs for insurance cover.
Also the size of driver circle has an impact: Depending on how many users you specify for the vehicle, it can become significantly more expensive. It is best for you if only you and possibly a second person move the car. Also you should remember that special novice driver have to pay a lot of money for the insurance, since the lack of driving experience is considered a risk factor.
