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Cheap car insurance: how?

Posted by Kevin C.W. Tuesday, April 9, 2013 0 comments
Clearly the Internet is tool that will allow you to find auto insurance cheap or cheaper than what you pay today.
Cheap car insurance: how?
You will find competitive prices while being well covered by asking multiple quote car insurance in just a few clicks.

On the other hand, should not focus only on the price insurance, it must also check guarantees and deductibles. In the event of problem, we very quickly forget the price of its insurance premium but looking at how it is covered and how much is our franchise. Cheap auto insurance doesn't have to be not at the expense of the guarantees.It must anticipate that at the time where you purchase your insurance to avoid surprises later.


Your vehicle is more fine listed on the Argus (see our free argus), you need not all auto insurance coverages.

Compare prices: get an overview of the market
First before committing to a new insurer, made a balance of the guarantees that you are not or more in your old contract. Make an assessment of your profile in order to contact an insurer that suits you best. Depending on your profile, insurance create specific contract. Each profile has its contract: bonus/malus, official, low mileage etc.
Find the insurer that you matches by comparing different insurance companies, and ask for auto insurance quotes. Set your profile and find an insurer that will offer you a product "suitable" and therefore less expensive. Do not hesitate to use the Turbo.fr insurance comparer to find insurance that corresponds and request quotes for auto insurance, this is the best way to compare offers and get cheap auto insurance.

Compare prices: do not fall into the Panel
Our comparator gave you several offers corresponding to your profile, you not only set on the price. We must be well aware and compare warranties. Indeed, you are going to have quotes insurance auto so-called 'low cost' tempting, but usually a high franchise which will be your dependant disaster as well as guarantees ceilings low.

Generally, there is a tendency to stop on the price that defies any competition. Redouble attention insurers their ingenuity to seduce you. They have very attractive prices but the franchise will be very high. However, it would be better to pay a few more cheap guarantees and to have a reasonable deductible. Be careful, do not throw you on the initial offerings.

Be careful also to your insurance premium. Some companies offer to settle your insurance premium every month but often with additional charges! Ask good question. Pay in the year make you often economies.
We do you never say enough, compare insurance not expensive, ask for auto insurance quotes and do compete. It is for you to make your choice and not the opposite. You'll save money for sure!

Forms of Car insurance

Posted by Kevin C.W. Wednesday, March 27, 2013 0 comments
Car owners can take out three different car insurance: a motor vehicle liability, a partial cover insurance and a waiver. Speech is simply from the car or car insurance is meant mostly the former, because the insurance is a compulsory insurance, which must be completed for each car. The other two policies provide optional additional protection.


The liability insurance takes over when third parties collect legitimate damages claims against policyholders after an accident. It pays for:
  1. Personal injury
  2. Damage to property
  3. Damage to property
Teilkakso insurance covers damage to your own car. For example, these include:
  1. Fire damage
  2. Elemental damage
  3. (Partial)Theft
  4. Short circuit (approximately by Marten bites)
  5. Breakage of glass
  6. Damages
A fully comprehensive insurance includes mostly the partial cover insurance services, but beyond. It includes the following:
  1. Vandalism
  2. Damage caused by own fault
  3. Failure of an opponent's liability insurance (such as hit and run)
The conclusion of a comprehensive insurance is particularly useful when the affected car is new or only a few years old. To find the optimal protection for your car, you should compare the different car insurance, weigh on the other models - some with higher deductibles.

A special feature under the insurance for the vehicle is the so-called Mallorca police. This is a supplementary insurance for rental cars from abroad. She can be completed not only for Mallorca and worthwhile if the own car insurance does not provide sufficient protection. Before graduating, you should perform a car insurance comparison.

Car Insurance : Performance characteristics

Posted by Kevin C.W. Tuesday, March 26, 2013 0 comments
In addition to the basic services, you can extend insurance to special additional features. Whether it's useful or not, can be in the least cases say flat, but depends on the individual situation. An overview of the most important additional features:


Increased coverage: a certain fee, many insurers in the event pay a higher maximum. High coverage levels are standard, but many providers and should be  considered when the car insurance comparison.
New price compensation: Instead of the replacement value you get reimbursed in the case of a vehicle the new price – this is worth especially for new vehicles.
Safe-conduct: When a breakdown of safe-conduct covers costs such as towing, car rental and accommodation. Often, it is included in the regular car insurance.
Gross negligence: A waiver can save on premiums, but it is much safer to insure with gross negligence - about accidents by driving over a red light.

Workshop binding: The limitation on partner workshops also saves posts, should be accepted only if the network is large enough. Here is a comparison.
Optional: Select this additional service, the insurer for items in the vehicle comes up, if they have been damaged or stolen. Tip: Be sure whether optional accessories is possibly already covered in a tariff if you compare car insurance.
Passenger / driver accident insurance: It protects passengers and driver in an accident. Usually, it is superfluous, because for inmates already the liability of the driver, while the latter at a general accident insurance provides better value for money.

Car insurance Guide

Posted by Kevin C.W. Monday, March 25, 2013 0 comments
If you want to insure a new vehicle or cancel your existing auto insurance and change, you should get advance insight into the market. Due to strong competition among insurers, there are favourable tariffs practically for each car. Whether a car insurance for novice or a car insurance for the car: you can choose among numerous offers. Learn what to look for here.



Types of car insurance

Generally can be distinguished three types of car insurance: motor insurance, the collision damage waiver, and the partial cover insurance. A compulsory insurance is the former and is usually meant, if only from the car or car insurance. You pay for all legitimate claims for damages, imposed after crashing against you by third parties. Partial and fully comprehensive stand, however, in varying degrees of damage to your own car.


Cost factors

Car insurance Guide
Although the motor insurance is a compulsory insurance, you can save on a completion yet. So different factors will affect the contributions which you can influence their part at least in part. Are worth mentioning in the first place:



Drivers classification: Through years of accident-free driving you can reach a low damage freedom class, which specifies the auto insurance as a percentage. This is the most effective means to reduce contributions.
Type class: For the insurance, the type classes are binding, they are based on the statistical damage required of a specific vehicle class. Each car belongs to a type class, the overview is updated once a year.
Utilization behavior: A low mileage and a safer night Abstellort, for example, affect positively on the premiums.
Personal conditions: by the age of the driver about his profession up to the housing situation, the various criteria affect insurance premiums.


Discount protection and discount saver

The classification into a worse damage freedom class and the increase in the contributions follow a self-inflicted accident car insurance. Discount protection and discount saver can prevent this. Arrange a discount protection with your car insurance, remain you get damage freedom class and premium. Up to three losses per year allowed under these conditions regulate - however, you have also an extra seven to 15 per cent in purchasing.



The discount Savior is often free part of your policy, is possible but usually only once per year. Here the low premium is retained you though, nevertheless the insurance makes the classification into a worse damage freedom class. Bind off rescuers as well as discount protection in a way your provider: If you want to change the insurance, you can not take the percentages to the new car insurance. The company will be classified on the basis of the actual damages namely you.


Cheap car insurance for beginners

A car insurance for novice is often relatively expensive. This is due to their lack of driving experience and a higher than average carelessness which is reflected also in the accident statistics. But, there are ways to complete a cheap car insurance for drivers.



An option is to ask the insurer of the parents whether entry in the damage freedom class half is possible. This corresponds to a percentage range between 100 and 140 depending on the provider. The downside is that no free choice of insurance is possible. More often the way is used appropriately, that the parents of the young rider complete car insurance for a car. So, you run the police using their name while daughter or son of the main users of the car is. This caused an accident, the demotion in the damage category concerns only the second car. A start is possible at best with the classification of the Erstwagens depending on the age of the driver at least in SF, half.


Cancel car insurance: to go properly

There are several reasons to switch car insurance. If you are unhappy with a settlement, not be willing to accept an increase in premium or have simply found a better rate, you can cancel your car insurance - but not always. You are bound to your notice period or subject to specific cases. You authorize the following situations to cancel your auto insurance:



Re-registration or change of vehicle: You buy another car - whether used or new - you can change the insurance for this.
In the event of damage: after the settlement of a damage

Car Insurance : High savings for novice

Posted by Kevin C.W. Sunday, March 24, 2013 0 comments
Beginners can enjoy! Stiftung Warentest provides recently the reason: up to 3,000 euros savings in motor insurance waving a year anyone who wisely concludes his policies. But also for frequent drivers, ecological and negotiating artist financial advantages.


€3,000 For novice

According to the study in which 152 offers were evaluated by 74 auto insurers, are the highest savings in auto insurance for beginners. Who compares and completes a liability, as well as a partial cover insurance, can make up to 3,000 euros.

Several $100 savings

Car Insurance : High savings for novice
Not quite as high as for young car owners is the savings potential for frequent travellers, retirees, families and environmentally conscious driver, whose Fahrzeug accounted for less than 12 g / km CO2 emissions. They come from several 100 Euro discount in the best case.

Trend Internet

A recent Forsa poll shows also on behalf of the industry association BITKOM: the insured increasingly use the Internet to get an overview of the different offers of the car insurers. -9 Percent and thus twice as many people as in the previous year - completed online their contract. The tariff change mouse click is very popular by the way the 30-44 year-olds. Compare is fully in line with the trend. 31 Per cent of the insured find out online about new auto insurance and every seventh put his mark to bring a new insurance in place. Last year it was only every tenth person.

Tricks when changing

Who is happy actually with his current insurance, but has detected low rates for competitors, should negotiate. With some rhetorical skill, the original premium can be press if one carries the insurer the numbers and performance of the alternative provider in mind. Customers willing to change must comply with the notice period until 30 November. FinanceScout24.de helps the termination and also offers, comprehensive advice on finding a suitable car insurance.

Car Insurance : Online degree by insurance is in vogue

Posted by Kevin C.W. 0 comments
The Germans in the trend is not only the search for insurance, but also the direct lump on the Internet. A Forsa study, which was conducted on behalf of the high-tech Association BITKOM came to this conclusion recently.

13.3 Million citizens use therefore the Web to easily through deals around on car insurance and - especially in the time of change of - about to find cheaper rates. More and more car owners bring their policy even with a mouse click in place. It was just five percent in the previous year – this year almost every tenth citizen online completes his contract.


The overview, the comparability and thus the industry-wide transparency are the strength of the online offers. Also Prof. Dr. August-Wilhelm Scheer, President of BITKOM, includes this statement: "The Internet offers insurance best possibilities for price / performance comparison."

Car Insurance : Online degree by insurance is in vogue
User-friendly comparison calculator which are associated with the data of many insurance companies, pave the comfortable way to the appropriate policy. In a test in October 2010, by FinanceScout24, the grade "very good" (1.2) certifies the car insurance calculator and highlighted the exemplary usability.

In the age group of 30 - shoulder get insurance or change of tariffs on the Web now particularly well. Last year, 27 percent of the offerings, informed which decided 10% ten to an on-line contracting. This year, 31 percent are already looking for auto insurance--14 percent of this age group put their mark under a new policy online.

In the 45 - 59-year-old group, about a quarter on information tour goes around the subject of car insurance. 13 Percent chose a policy directly.

Car Insurance : Luxury car

Posted by Kevin C.W. Saturday, March 23, 2013 0 comments
The cost for the maintenance of the car rose far faster than the cost of living with 3.1 per cent in 2010. Biggest weight is fuel prices - especially in the big cities these are according to the ADAC far away from the current oil prices. Analog, currently the Federal Cartel Office questioned the collective rise in prices at many service stations just before holidays. Is the consumer when refueling ripped off?


Who opts for the own car in terms of mobility, must engage deeper in the pockets. The ADAC has recently determined where the stresses of mobile pedestal most have increased compared to the previous year. Car maintenance is committed off therefore clearly with a rise of 3.1 percent by the rising cost of living. Needs of daily life rose only 1.3 percent on year.


What has become more expensive?

Car Insurance : Luxury car
Main cost drivers car are the fuel prices for the luxury item. These have increased by whopping 8.7 percent compared to 2009, while purchase prices for new cars, costs for spare parts, accessories and repairs with a rise of less than one percent to beech. Place the cost of driving a car is car insurance. On average, 6.4 percent more had to fork 2010 the German car owners for their financial security on the road. The gasoline price has accept the drivers grumbling, but with a change of insurance he has depending on the individual facts & figures a screw, to save several hundred dollars a year in the car.


Expensive cities and a cheer for the holidays

Using a regularly tested sample, the ADAC has examined gasoline prices from 20 cities. With an average of more than 1.40 euros for the litre of Super petrol, competition in expensive cities not to the same extent as in the lower works so the Automobile Club. Federal Cartel Office President Andreas Mundt wants to proceed against similar to the holiday calendar rising gas prices especially in the "expensive" cities now exacerbated. In the four major cities of Hamburg, Cologne, Leipzig and Munich, 100 petrol stations had to sign their price chronology of the past three years to the Bonn authorities. It is now checked whether there are always these same companies, which raise the gas prices just before the holidays. Also, generally strong price fluctuations - should if be taken directly before the holidays or several times within a day - more closely scrutinized.


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