AUTO Insurance: Tips & Tricks – This is how you, too, save money on your car insurance

With almost 117 million contracts concluded in 2020, motor vehicle insurance is the largest division in property and casualty insurance in Germany.
With so many contracts, there is a very wide range of insurers and their services. But which points should I pay particular attention to when taking out car insurance and how can I save premiums here?
We have the Insurance experts out Miltenberg, Turkan Yilmaz, asked about it.

How important is it to have a personal contact?

Generally it is comfortable for Insurance to have a personal contact person. He usually knows his way around better and can advise accordingly. You can only get tips and tricks from him. Professional processing is extremely important, especially in the event of a claim. In our opinion, you will only get something like this if there is a local office with regular opening hours as a contact point. Therefore, pay attention to the local conditions (location) under which this is the case with your supervisor.

What protection do I have abroad?

If you drive abroad with your car, you should take the “Green Card” (IVK) with you. It’s free on your own Car insurance with it.
The German Liability insurance The green card is valid within the geographical borders of Europe, as well as the non-European borders that belong to the EU.
What the comprehensive insurance conditions look like varies from insurer to insurer.
Attention: The countries in which you have insurance cover also depend on the company in question. Beyond the non-European borders of the EU, the insurance for the vehicle only in the countries that are marked on the green card and not crossed out.

What about protection in the event of gross negligence?

Gross negligence is understood to mean damage or accident that could have been avoided through correct behavior.
Typical scenarios are, for example, damage caused by driving over a red traffic light or using a smartphone while driving.
In this case the Comprehensive insurance refuse to pay the damage.
This makes it possible that you either partially or even completely sit on the costs. Even if the insurance first have to prove gross negligence, it is still better to include a waiver clause in the contract.
Important: This only applies to comprehensive insurance. Liability also pays in the event of gross negligence.

What points do I have to pay attention to when binding a workshop?

Anyone who is completing the Car insurance decides in favor of a workshop bond with a comprehensive insurance policy, undertakes to drive to a partner workshop of the insurer for repairs after an accident. Many insurers have a large number of partner workshops, which are usually TÜV tested and do high-quality work. The workshop loyalty is particularly interesting for novice drivers, as they can save up to 20% on contributions.
The workshop commitment only applies to self-inflicted damage. In the case of usual repairs or damage through no fault of their own, the customer can choose the workshop, as these costs the insurance of the other party involved in the accident.
A clear disadvantage of the workshop loyalty is that no cheaper or specialized workshop can be used.

Which services are included in the partial coverage?

Regardless of which company you are insured with, the majority of the benefits in partial coverage are virtually indistinguishable.
One point that varies a lot is the game accident. Many insurers have different tariffs for accidents involving game.
The most common standard is protection against feral game. These include, for example, deer, wild boars or foxes.
There is also protection against accidents involving game birds. This includes pheasants and wild geese.
We recommend that you take out insurance against farm animals and animals of all kinds. An accident with a cow or horse can be very expensive. Insurance does not cost the world, but is worth the money in the event of damage.
It is also advisable to protect yourself against marten bites. Also against the consequential damage, because these can quickly cause costs in the five-digit range.

What happens in the event of damage if I loaned my car to someone?

The vehicle is also insured against liability with another driver. But he should have a driver’s license, otherwise trouble threatens.
However, regular users of the vehicle should use the insurance because a driver not named in the contract causes an accident, the insurance company may claim the premium for the additional driver. A contractual penalty may also be due.
In an emergency like a trip to the hospital, you don’t have to worry. Here the insurance will not make any additional claims.

What downgrade table does the company use?

If you leave that Car insurance settle a claim, regardless of whether it is a liability or fully comprehensive claim, the SF class is downgraded.
This downgrade has a direct impact on the contribution rate and thus on the contribution to be paid.
That is why you should always find out about the downgrading in the event of damage from the respective company when taking out car insurance.
If you want, you can also include discount protection in the contract to avoid a possible downgrade.

Is the price-performance ratio right?

Since there are a large number of insurance companies in Germany that have one Car insurance offer and this creates immense price and service differences, it is advisable to compare the tariffs as well as services and prices.
This is anything but easy for a private person. We therefore recommend inquiring about this matter with a company that works independently and can therefore compare and offer several companies.

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