Happy se days is who doesn’t have a TV. This means that annual mass of advertising for best and GÜNSTIGSTEKFZ insurance is lost. The suppliers are now particularly passionate about customers, because 30 November is getting closer – it is most important deadline for entire industry.
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For all customers whose car insurance runs until end of year – and most of m are – month notice period ends on this day. In weeks before that, insurance companies are not only medialeSchlacht to pay attention, but also a price fight to reduce number of customers as many as possible.
Annika Junk
The author is an editor in team insurance and provision of Finanztip, a non-profit consumer portal.
This year, struggle for customers and market leadership is particularly hard. A few years ago, Allianz lost its top position in car insurance to Huk Coburg and its GünstigeOnline subsidiary Huk24. Now alliance is setting against attack: There are new tariffs and especially a lot of advertising on all channels. At same time, new competitors are pushing into market. So-called Insurtechs want to digitize car insurance. The providers Nexible and Friday for example are both launched this year in Germany. Their offer is intended primarily to appeal to young customers: simple online applications, digital Vertragsverwaltungund more flexible contract duration.
Repairs to car are more expensive
With so much competition, prices should actually drop. But insurers are struggling with rising costs: Reparaturenam cars are becoming more and more expensive, mainly due to expensive spare parts. For example, according to German insurance industry, price of a trunk flap rose by 12 percent in last year and a half.
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For customers, this means that it is now worthwhile to compare different insurance companies before November 30th – in order to avoid any increase in premiums. Because in time for autumn providers have published ir prices for DasJahr 2018. In this hot phase of competition, you want to offer one anor, which means that re are always favorable offers. In particular, those who längerbei a provider have very good chances to get same protection at a better price in anor insurer Earth. The new customer discount makes it possible.
Some effort is needed. Because despite comparison portals, which lists a lot of providers, re is nowhere a vollständigenMarktüberblick. Some insurance companies are not aufVergleichsportalen to find, because y shy away from high commissions that you have to pay a contract. This includes, for example, Beidengünstigen direct provider Hanoverian directly and Huk24.
Compare at least twice
For car owners This means intransparency and more effort. If you want to pay as little as possible, you should compare at least twice. The first time best on two portals like Check24 and Verivox. And also a zusätzlichePreisabfrage at Hanoverian or Huk24 increases chance of best. However, with all thrift, insurance conditions should always be correct – for example, a sufficiently high sum of insurance.
However, customers who are loyal to ir insurance bleibenmöchten can also use exchange phase for mselves. You should also compare prices – not only for or insurance companies, but also for your own Anbieter.Es, it sometimes happens that this would make you more favorable as a new customer. It is possible to address company and threaten a termination if necessary. In many cases, company will respond to this and a better Angebotmachen. A loyal customer is always cheaper for insurance than a teuerangeworbener new customer, for whom she must partially have a high Vermittlerprovisionbezahlen.
Even loyal customers can save
Because despite chance of big savings: The German car owners are not particularly active when it comes to changing insurance. Lauteiner representative Finanztip Study, every third one of m has changed nieseine car insurance. Especially younger insured bleibenihrem providers are loyal because y fear effort or do not want to Gedankendarum. Anor reason for fatigue: three quarters of Befragtensind satisfied with ir provider. If you change, you do it mainly for sake of money. However, this can be worthwhile: if you have an expensive fare, you can save several hundred euros a year.
In addition, no matter wher contract is closed or has been going on for years, everyone should check wher a few simple adjustments can save money. For example, can specified number of annual kilometers be reduced or’s a child insured who is no longer driving car? Or will Mitgliedsbeitragin be transferred to several rates per year, as according to Finanztip survey, half of insured is doing? Here, too, a conversion is worthwhile: If you pay monthly, you have to pay nine percent more for your fare. As a result of instalment payment, more than 590 million euros per year are added in DenKassen insurer. You can save this money!
