The most important at a glance!

• In the case of motor vehicle insurance, motor vehicle liability is required by law.
• The fully comprehensive and the Partial insurance.
• When you re-register a car, you can start immediately with cheap car insurance. However, you should be as wise when it comes to insurance as you are when buying a car.
• The deadline for a proper termination of car insurance is usually the 30. November.

Latest news from the field of motor insurance:

These are the main results:

• The number of SUVs is rising steadily. Ten years ago, the share of off-road vehicles was still at 3,2 percent, rising steadily to 11,0 percent in 2019.

• "SUVs have a high utility value for consumers in rural areas"says Dr. Tobias Stuber, Managing Director Vehicle Insurance at CHECK24. "High-priced models are also considered a status symbol and are therefore also popular with affluent customers in metropolitan areas."

Dusseldorf is the SUV stronghold, few off-road vehicles in Leipzig and Braunschweig Dusseldorf has the largest all-terrain vehicle density among the 50 largest German cities. 11,4 percent of all cars insured there are SUVs. Leverkusen and Munich reach the ranks behind with 11,3 percent each. In contrast, a few off-road sedans are found in Leipzig and Braunschweig (per 7,2 percent). ** Click here for the complete list of all 50 considered cities. Federal States: In Brandenburg drive the most SUV, in Bremen the fewest In comparison of the federal states, it is mainly the East, which emerges in the front in the ranking. The first place claims Brandenburg with 11,9 percent SUV share, before Mecklenburg-Western Pomerania and Thuringia (per 11,6 percent). In Bremen, the odds are lowest (8,4 percent). ** Click here for the list of all federal states. Comparison portals promote vendor competition - total savings of 318 million euros a year Comparison portals promote competition between providers of motor insurance. Thus, consumers saved a total of 318 million euros within one year. This was the result of a representative study by WIK-Consult, a subsidiary of the Scientific Institute for Infrastructure and Communication Services (WIK). *** Consumers who have questions about their car insurance receive one from 300 CHECK24 insurance experts seven days a week personal advice by phone or e-mail. At their personal insurance center, customers manage their insurance contracts - regardless of who they have signed them with. As a result, they benefit from automatic price and service checks, which means they can simply optimize their insurance coverage while at the same time saving money.

• Düsseldorf has among the 50 largest German cities the largest SUV density, 11,4 percent of all cars insured there are SUVs.

Thus, the insurance preferences of electric car drivers and hybrid drivers differ

• Electric cars and hybrids: more often fully comprehensive, younger and less horsepower
• Most popular electric speedsters from Renault, smart and BMW - Toyota dominates hybrids
• 300 CHECK24 experts advise on all topics relating to motor insurance

Electric cars and hybrids are still the exception on German roads: Only 1,0 or 3,8 percent of all 2018 registered cars in Germany drive with these alternative drives. 1 Vehicles and their holders differ significantly from the average of all cars insured by CHECK24 in some respects. 2 electric cars and hybrids: fully comprehensive insurance, younger and with lower engine performance Owners of e-mobile vehicles are predominantly owner-occupiers and park their electric vehicles accordingly on a private pitch instead of on the street

Both electric vehicles and hybrids are more often than average protected by fully comprehensive insurance. One reason for this is the average vehicle age, which is well below the average (1,6 years) at 3,4 years (electric car) and 10,3 years (hybrids). CHECK24 customers insure vehicles with an average of 127 hp. The drivers of electric cars and cars with hybrid drives are on the road with 29 and nine hp less engine power. Unlike hybrids, Stromer are more often than average insured as a second car. E-mobiles and hybrids are more expensive to buy than classic combustion engines. Accordingly, the proportion of externally financed vehicles is higher than the average of all insured cars. Most popular electric cars from Renault, smart and BMW – Toyota dominates when it comes to hybrids The most popular electric speedsters of CHECK24 customers are Renault Zoe, smart Fortwo and BMW i3. Toyota dominates hybrid vehicles: All models in the top five come from the house of the Japanese automobile manufacturer, with the Toyota Auris at the top.[/vc_column_text][vc_column_text]

In autumn, the danger of wildlife accidents due to early twilight, fog and rain increases.

Although there is generally insurance coverage for damage to the car caused by wild deer such as roe deer or wild boar for those insured for comprehensive insurance. Other species, eg. Cows, wolves or cats, but are not included. An extended game reserve for animals of all kinds hardly increases the insurance premium of motor insurance. In the partial coverage insurance extended protection costs an average of four percent surcharge, in the comprehensive insurance five percent.1 "Consumers should opt for an extended wildlife coverage, if they want to make sure that the insurance in an accident regardless of the type of animal for the Damage comes up, "says. Dr. Tobias Stuber, Managing Director Vehicle Insurance at CHECK24. "Some tariffs offer the extended protection even without surcharge, therefore worth a comparison." Every two minutes, according to Gesamtverband der Deutschen Versicherungswirtschaft (GDV), an accident between a fully insured car and a wild animal.2 2018 was reported as a total of 268.000 game accidents , Loss per accident: on average 2.800 Euro.

Do you already save? Are you properly insured? Check now!

Liability has fallen by 13 percent since August

The price competition of car insurers to the change season is already noticeable: Consumers currently pay an average of 301 Euro for motor insurance. 1 That is 13 percent less than in August (346 Euro).
Overall, the liability contributions for car insurance lenders are above the previous year's level (October 2018: 286 Euro). However, it can be assumed that prices will fall even further.
"We see every year that car insurance prices fall in the direction of November," says Dr. Tobias Stuber, Managing Director Vehicle Insurance at CHECK24. "In addition to the services, insurers are also trying to win over willing customers through attractive prices. Consumers should with the change of insurance but still not until the key date 30.11. wait, as some insurers raise their contributions before. "
At the latest after the deadline for the change of car insurance, the prices will then rise again.

"The increased competition is also reflected in the cost of online advertising on Google, which is already growing significantly," says Dr. Tobias Stuber. "The ad spaces are always highly competitive. Since it could come this season to new maximum prices. "
€ uro am Sonntag: CHECK24 is the best comparison portal for motor insurance
CHECK24 is the best comparison portal for car insurance. This resulted in an investigation of
€ uro on Sunday together with the German Customer Institute (DKI) .2 The test is so far the most recent on the market.
In addition to the overall victory, CHECK24 decided the sub-category price / performance by a large margin for itself. Consumers can save the most on average at the Munich comparison portal on average over the twelve sample profiles considered. CHECK24 also took first place in the comparison computer category.

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