Make car insurance cheaper: Here’s how

No damage class (SF)

The no-claims class of car insurance is a mystery for many to solve. No wonder, after all, you hardly keep the table that is in your head. Basically, it's about a damage-free year as a driver. The longer you run accident-free, the higher the no-claims discount. Separate tables for dependent and full insurance fields. The more you upgrade yourself in the discount system, the more stages you pass without reporting an accident. For example, class 0 applies to beginners in 3 years of driving license. After that, SF 1/5 will apply, if nothing happens, etc. If there is a claim, there is usually a downgrade according to the information in your insurance contract.

Typing class

The type class generally determines the amount of premium you have to pay for your motor vehicle insurance. The information is provided by the General Association of the German Insurance Industry (GDV) and there are currently more than 22,000 types. The higher the type class is rated, the greater the contribution. The classes are defined differently in the categories of categories, partially comprehensive and complete. You do not really affect this table and therefore cannot change the contribution in this area. All insurance agencies work with the same type of table, which is based, for example, on the general accident rate of the type of car in road traffic. If you want to find out more before you buy, it's up to you to look at the GDV directory https://www.gdv-dl.de/dienstleistungen/typklassenverzeichnis/

Area class

We have 413 proud registration districts in Germany, with each region providing individual damage records. The regional class of your area becomes an important tariff feature that every agency takes into account. The classification is better for drivers in Schleswig-Holstein than for those in Hesse. This has nothing to do with the landscape, but with the frequency of accidents in the respective federal states. Where insurers expect more damage (thanks to statistics), premiums go up automatically. You can only influence this factor if all of Hessen is close and simply does not cause accidents anymore. In other words, it cannot be influenced. You certainly don't want to switch just to save a few euros on car insurance, right?

Mileage per year

If you take out car insurance, you should estimate the mileage for the next year. In general, the more drivers take part in active road traffic, the greater the risk of accidents. If you only drive 5000 km a year, you pay less than someone who generally drives 30000 km. Some only run short distances to work, others are in the field and travel all over Germany. "Some drivers" benefit from this differentiation, and that's pretty fair.

Driver group

Usually the registered owner is also the driver of the vehicle, although there are exceptions. Married couples, for example, register their partners so that no problems can be expected in case of damage.

be cut

To keep your car insurance cheap, you can take out a plus-minus contract. The higher this is, the cheaper your insurance contract will be. To get a good deal on average, many drivers use a liability plus 150 euros deducted in case of damage. A contract that does not care comprehensively costs a lot compared to the risk that can be assessed separately. Whether it's Huk car insurance or Allianz car insurance, the conditions can be different. This explains the dire need for auto insurance changes. Everyone is looking for the best price!