Just in time for the deadline: Tips for changing car insurance

Every year, many motorists have the opportunity to save a lot of money. November 30th is the deadline by which you have to cancel your old insurance. Many people still think that the change would be time-consuming. Far from it, many insurance companies now offer very different tariffs. While most auto insurance companies set a flat rate of 5000 or more kilometers driven per year, Friday works differently. In the
cheap Friday car insurance you only pay for the kilometers you actually drive.

When and why should or can you change insurance?
• always by November 30th of each year
• in the case of premium increases
• after an incident
• after the contract expires
• when changing vehicles

Which insurance offers what?
There are many incidents that can be covered by car insurance. Liability, partial and fully comprehensive insurance offers various types of coverage. If you are thinking about changing your car and / or a second car, you should first take a look at the old contracts. How much do I pay, what is covered, what do I need and what is important to me? Ideally, write down the basic dates and goals of the move. While most simply want to save money, it shouldn’t be done to suffer from insurance coverage. If you are unsure whether you have considered everything, you will find at
Comparison portals such as Check24 Checklists for the safe change of insurance as well as an initial comparison of the conditions of different providers.

Important points when switching
When changing insurance you should always build in a solid liability amount. Anyone who insures their vehicle with liability insurance should plan a solid contribution, because the protection also serves to cover extensive claims for damages. Those who take out comprehensive insurance should be careful not to raise the “objection of gross negligence”. It happened quickly, you just don’t pay attention for a second and you’re left with the costs. For a few euros more you can also insure yourself against gross negligence. So if you have an accident by running over a red traffic light or colliding with another car, you are still covered. Generally, however, the following
Points to consider before switching:

• how many kilometers are actually driven in a year
• Solid and not too low contributions to liability insurance
• Take discount protection with you and extend it if necessary
• Workshop loyalty sensible or not
• Objection of gross negligence
• Comprehensive insurance at fair prices

What does a fully comprehensive car insurance cost?
The costs for a classic fully comprehensive insurance vary with the various insurance companies. It also depends on the no-claims class and the contractual framework. The vehicle type, the age of the vehicle, the age of the driver (s) and many other factors also play a role in the calculation. The type of contribution payment also affects the amount of the costs. Those who pay their annual contribution pay significantly less than those who make monthly contributions. The price range therefore varies from 100 to 2000 euros per year.

What is discount protection with a car insurance?
The no-claims discount is another way of having better conditions in the event of a claim. In an emergency, this saves you from having to increase your premium after an accident you have caused yourself. This discount protection can also be taken along when changing insurance. An insurance comparison is therefore always worthwhile.

Switching is easier than you think
What used to be time-consuming is now very easy. Once you have chosen an insurance policy or made a tariff comparison, you can go directly to the website you want and conclude your new contract online. Incidentally, you can take your percentage with you as it does not expire. Often the new insurance takes over the termination automatically. Usually one click is enough to be covered in the future by a new insurance such as Friday or other providers. Here is another small checklist for changing insurance:

• Check the notice period (usually November 30th annually)
• Compare services and tariffs with one another
• conclude a new contract
• terminate old contract or have it terminated

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