Car Insurance Premiums For New Cars More Expensive in 2010
Many car owners, used this year for scrapping and have gained a new vehicle, threatening higher costs in the 2010 car insurance. This is due to the current changes in the vehicle-type classes to gain the next year validity. According to recent research conducted by the independent consumer portal toptarif.de increase, especially for the most popular new vehicle registrations for the current year, the risk ratings in the insurances. In total, according to the General Association of German Insurers, however, rated more than two thirds of all vehicles with more favorable changes in the Casco area.
“Of the top 30 are in the car registrations in 2009 all 20 models in the partial or full insurance ranked higher, making insurance expert Thorsten Bohg significantly from toptarif.de. The type classes in the Casco area are for more recent vehicles more important because just completed new cars usually in conjunction with a comprehensive insurance will be. “The rankings are a key factor to calculate the insurance premium. In unfavorable cases, the insured by changes in the type classes incur additional costs several hundred dollars for the next year, “said Bohg.
The most severely affected by the upgrade is purchased like the Fiat Grande Punto. Under the new classification of a Berlin family pays each year for this model, for example, when alliance leaders around 1340 euros for third party liability and comprehensive cover as standard fare. Basis of the calculations are 7 years accident-free driving, the parking of cars on the road and an annual mileage of 25,000 km. Without the upgraded contrast, the premium of the Flats would be only around 1,250 euros. “These price differences increase of novice drivers or policyholders with relatively low claims categories, even at over 200 euros,” calculates Bohg.
2009 had to be regulated. These games include damage caused by theft, vandalism, weather, collisions with animals, as well as by self-inflicted injuries and injuries of unknown cause (hit and run) a role.
Despite a worse classification of cars insured may by the change of car insurance by 30 November to save money. “In general, the savings are in the insurance exchange is many times higher than the increases for the coming of the vehicles,” calculates Bohg. “In many cases, can save on cheap car insurance companies up to 50 percent of annual costs.”
With consumer portals such as toptarif.de or free customer service hotlines, such as 0800 – 10 30 499, consumers can receive specific information in minutes on car insurance and free switch to a cheaper competitor. A graphic of the 30 most popular vehicle registration with the respective type class changes can be requested if needed.
Background:
According to GDV are there in the motor insurance 16 type classes (10-25), in the comprehensive insurance 25 (10-34) and the third party insurance 24 (10-33). Based on current data from the claims development each year to adjust the statistics for all cars in Germany. The new type classes can be applied immediately. For current contracts, they become generally effective as of January 2010.
Sources:
General Association of German Insurance: Type classes in automobile insurance: Few reclassification. Press release from 19.08.2009. Federal Motor: Monthly reports. New registrations of passenger cars by make and model lines. (As at August 2009).
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