1. Compare premiums
2. Which coverage should I buy?
3. Raise retention?
4. Premium saving models
5. Requesting and evaluating quotes
6. Changing insurance
7. Car Insurance Guidebook
1. Compare premiums
In the premium overview of the Comparis car insurance comparison, you can see at a glance whether changing your insurance provider would pay off. You can view the premium details by clicking on the + sign. The mark rates the service, customer satisfaction and bonus system of the insurance product. Click on the insurance name in order to obtain more information on the product.
2. Which coverage should I buy?
- Liability insurance: Liability insurance is compulsory and regulated by law.
- Comprehensive insurance: Check if your vehicle still needs both partial coverage and collision insurance (comprehensive insurance). Generally, the older a vehicle is, the less you benefit from collision insurance.
3. Raise retention?
The amount of retention for liability insurance depends on the driver's driving experience and can therefore not be freely chosen. For comprehensive insurance you have a choice. A higher retention for collision damages reduces the premium considerably more than a higher retention for partial coverage insurance and is therefore more advisable.
4. Premium saving models
Premium saving models additionally increase the saving potential. Different limitations can apply with such a model; e.g. repair at a contract garage, no drink-driving (zero-alcohol level), installation of a crash recorder or compensation only at current value (for comprehensive insurance). To know more, please read the footnotes on the result page.
5. Requesting and evaluating quotes
Check the quotes carefully against your requirements:
- Do the insured benefits and the retention correspond to your enquiry/your requirements?
- What is the bonus level?
- Do you have to pay additional retention for claims whilst abroad?
- If you require coverage for damage while parked, check the conditions. Depending on the age of your car, you may not be able to take out such coverage or coverage may be limited.
- With regard to theft and collision coverage, pay special attention to the benefits provided in case of total loss (replacement value supplement).
- Select a short policy duration in order to be able to benefit from cheaper offers more quickly.
6. Changing insurance
You can change your insurance company in the following cases:
- Expiration of contract (sign up for our termination reminder)
- When premiums change (premium increase, also sometimes in case of reduction)
- Change of ownership
- Change of vehicle
- In the event of a claim
Termination period: Keep the termination period of usually three months in mind. This period does not apply if premiums are raised. In this case, your termination must be submitted to the insurance company by the last day of the insurance year with a registered letter.
To have your termination letter ready in an instant, use this template.
7. Car Insurance Guidebook
You can find all you need to know on the subject of car insurance in the Comparis Car Insurance Guidebook.
