How expensive is car insurance?
How expensive car insurance is does not only depend on the choice of insurance, but also on the car and your personal preferences as to how it should be insured. In any case, it is worthwhile to compare the various providers in advance.
If you own a car, you are obliged to insure it. In order to find out in advance how expensive this type of car insurance is, it is worth thinking about how you want to insure the car and, above all, what type of insurance. Above all, however, your personal wishes play an important role. In addition to the vehicle itself, it also depends on the kilometers you cover each year with it.
Car insurance is compulsory
- Since you are required to have a car that is registered with you, at least over that Liability To insure, it is decided how expensive it is, generally according to the car or its classification by the insurance company.
- The classification in type and regional class, which is based on the identification of the car, plays an important role here. In addition, there is the number of kilometers that you cover as well as the age of the driver.
- If you want to insure several drivers, the price increases, provided they do not live in your household and are therefore rated as "third parties". If you would like to insure a partially or fully comprehensive insurance for your car in addition to liability, further factors must be taken into account.
Fully comprehensive insurance can be expensive
- Liability coverage with a car insurance does not differ significantly in terms of price. However, if you want to take out partial or fully comprehensive insurance, this can be expensive. For this reason alone it is worthwhile to compare.
- However, you should first think about how high your deductible should be in the event of a claim. The higher this is, the cheaper the contributions. Annual payment usually also lowers the contributions.
- Some insurance companies also offer a so-called "workshop commitment" and can lower the contributions. However, you should note that it makes little sense to have to go to an authorized Renault workshop with a BMW to have damage repaired. You should therefore clarify this point beforehand.
- What is worthwhile in any case is the so-called "discount protection", as offered by some insurers. This means that in the event of a claim you will not rise in the classification and thus your contributions will not become more expensive. Therefore, seek detailed advice before taking out insurance.
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