80 Prozent teurer: Bei dieser Kfz-Versicherung sich Wechseln jetzt gewaltig

With an acknowledgment from Michael C.* from the Kreis Rosenheim nicht gechnet: 80 Prozent mehr desires seine Kfz-Versicherung, the HDI, for the Teilkasko in the year 2025. C. fährt a VW Up, 170,000km on the Tacho, for 15,000 km per year. It will cost you 715 Euro in one year. “Von dem Jahresbeitrag can quickly become bald in a new car purchase”, it is true.

Particularly tückisch: Die HDI schickt nur eine Rechnung. There is no longer any question of a beitragsanpassung. Ob der Beitrag höher ist as last years and um who fell, perhaps the art itself has been learned. If C. goes from 390 euros to 715 euros, a jump is made a year later in the following year: “2023 has not yet earned 293 euros. That is a plus from 144 years ago.”

HDI has a Kfz version of 50 Prozent im Schnitt

There is nothing wrong with the typing class, but it is sunken. The HDI scheme in those years falls under the Kfz versicherungen. Since 2023, a technical pleasure has been found in the Sparte-eingefahren and now, the file of sanitation, message set of Magazine “Versicherungsmonitor”. With the fundamental value of the HDI version it is possible to obtain a German certificate of Kfz-Kunden-führen. I have the Versicherung de Beiträge een 50 Prozent angehoben.

The HDI itself starts the repair process with a number of damage charges, increasing repair costs and a teureren maintenance organization. Kein Wunder: Allein im ersten Halbjahr 2024 entstanden in Deutschland im Kfz-Bereich 400 Millionen Euro Damen durch Sturm und Hagel .

Durchschnittlich steigen Beiträge um 25 Prozent

Some autofahrers also become active with the new Kfz version of the New Year for the year 2025. The rechnungen have never been with the HDI again, but other messages from 30 to 40 percent may also appear. Here it becomes much more clear how the Huk Coburg, a grim gestiegene cost for history.

“The prize in the Kfz-Versicherung lies in the market schnitt active 25 Prozent über dem Vorjahre level”, writes the Vergleichsportal “Vergleichsportal” on Anfrage von FOCUS online. The versicherer articles continue with boat making in a new skill. The meaning of the article can be taken into account: “Günstige Tarife liegt der Zeit in Marktschnitt 28 Prozent unter den Tarifen im Mitteren Preissegment”, so Verivox.

Worauf is beim Kfz-Versicherungs-Wechsel-ankommt

If the first thing you can do at the Wechsel der Kfz-Versicherung behalten the first der Sonderkündigung im Auge. You play for four weeks. If another Kfz Versicherung-kündigen, sollte dat first, wenn there a new Vertrag unterschrieben hat – oder nor besser the Kündigungsservice seines new Offerers useful.

The new rate is one of four punks that goes beyond:

1. Deckungssumme

While the Kfz-Haftpflichtversicherung in the Schadensfall-übernimmt, was no longer so good, it was not the case that the Versicherungsnehmer itself was treated. The ADAC deserves a high coverage of 100 million euros.

2. R abattschutz

Normal steps in traffic, if you experience damage. With a Rabattschutz hat man in der Regel one of the most common. If you are engaged in your passion, it may be that you have a passion, while man has not reached more than a high level, when man braucht the versicherung.

3. Mallorca Police

The Kfz-Versicherung sollte Schäden und Mietwagen im Ausland beinhalten.

4. Grobe Fahrlässigkeit

The police have been watching the police, on the grand scale of the plädiers, and a man has made war and committed an accident case. Alcohol in the mixture and large amounts of rebeigeführer influence the draining here.

Don’t save longer or save less

If this is not the case, the provision of the blessing may require the Prämie of the trade. Before all the refreshment eaters have one of the beitragsschraube-drehen, the man can tell his story.

For autofahrers there is no Wechsel or any Stellschrauben, with the fact that their Prämie products, concrete Verivox. You can see more than 50 factors for the tariff calculation here. There is a car manufacturer that can no longer use electricity – and then in the regional class, the home of the type class, the best option for the Fahrzeug, or in some other way. You can also use additional information:

• Take care of your own damage : Make sure that the e-influence factors on the Kfz-Versicherungsbeitrag are aligned with the Damage Freiheitsklasse. If you are busy with your year, the autofahrer is a Kfz provider that regular Schäden zurücklegen. If you suffer a harmless damage due to the diversification, you will be subjected to a more classical reprocessing and losing with a higher price in the follow-up course.
  Modellrechnung des Vergleichsportals Verivox is so, Haftpflichtschäden is a high of 2,555 Euro and Vollkasko-Schäden up to 3,408 Euro self-bst zu zahlen.
• Fahrleistung : Weniger gefahrene kilometers bedeuten a small damage and damit niedrigere Prämien. In a Verivox-Auswertung you bring an Anpassung der Fahrleistung from 10,000 to 5,000 Kilometers for a 45-year-old Golf-Fahrer from Berlin for a period of 16 years.
• Werkstattbindung : Wählen Versicherte a tariff met werkstattbindung, zahlen sie im Schnitt zölf Weniger für ihre Kfz-Versicherung. A partnerwerkstatt in the representation of more autofahrers is now at Kasofällen turn. Recent inspections or repairs of damage can be carried out in a self-chosen work environment during welding work.
• Self-protective effect : During a self-study, the diversification prämien is carried out. 28 Prozent weniger zahlen Versicherte im Schnitt, wenn sie ich für eine beteiligung von 300 Euro in der Vollkasko and 150 Euro in der Teilkasko entsplits.
• Fresh food: Wer seine Kfz-Versicherung jährlich statt monatlich bezahlt, spart durchschnittlich sechs Prozent im Jahr.
• “Elterntrick”: Fahranfänger was kräftig zur Kasse bitten. If you save with the Kfz version, if your Fahrzeug is a different variant for a few years and if we use more Fahrer welding, this is a problem. The damage-free classes can be separated from the Eltern auf das Kind übertragen.
• Alternative shot: Seniors and seniors have a high degree of risk – and a Kfz version that dies with higher Prämien. Other costs you may incur when saving the Kfz version will reimburse your costs for more family guarantees and wills. In a Verivox model you can save an 85-year-old Golf-Fahrer from Hamburg 54 Prozent (365 Euro), if your Vehicle and your Schadenfreiheitsklasses have an age of 30.
• Fahrerkreis überprüfen : Do you have children who have left the nest and no longer use the car? Then it’s time to start using the Kfz version. So save a Golf-Fahrer-beisweise by 38 Prozent, when there will be 20 years of kind from the Versicherungsvertrag sometime.
• Saisonkennzeichen nutszen : We are ready to take the time to enjoy our time, so that we can save our time.

Versicherungskunde Michael C. said the following about the matter: “I am very aware of Allianz direkt. Price is 352 euros. It’s not like there are a few Euro gangs. Aber so habe ich etwas bessere Leistungen“, says it. Der Wechsel hat in 10 minutes kostenet – en zomindest im nächsten Jahr zahlt C. damit nur die halfte. “Also, you can see how things are going.”

*The name belongs to the editorial staff