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It’s the smart way to shop: pick the coverages you want, then compare car insurance rates for the exact same coverages at a handful of companies. It’s fast. It’s easy. It’s all online. Try it now to find your best rate. If you’re looking for even more savings, then check out our auto insurance discounts.
CAR INSURANCE IN GERMANY
Once you’ve set yourself to buying a new ride, it is time to think about your car insurance in Germany. That step is really important because you can’t even register your car without a valid policy number. There are a few things to consider and the rules might be different from what you know from back home. I recently bought my first car (a Peugeot 308 if you must know, go ze french! , so i thought i would share my experience here in the form of a mini-guide.
A little guide to your car insurance in Germany
You will find that german car insurance policies (also known as Kfz Versicherungen) are split between 3 types :
Haftpflicht – Liability or third-party coverage
This type of car insurance is minimum legal requirement to be able to register your car. It covers all the damages you and your car might do to other people, other cars or things in case of an accident. It also covers their medical bills too for example. It does not cover damages made to your car if it was your responsibility.
Teilkasko – Partial coverage
This includes Haftpflicht & covers all sort of other random risks that life can sometimes throw at you such as damages from theft-attempts or theft attempts themselves, fire, glass damages, thunderstorms, things like that. Vandalism is not covered.
Vollkasko – Comprehensive coverage
This type of insurance has all the guarantees of the Teilkasko & Haftpflicht policies, and adds on top a coverage for all damages made on your own car or yourself in the case of an accident. Your insurance company gives money to the person’s car you wrecked AND it gives you money to fix/replace on your own car as well, even if the accident was your fault.
As you might suspect, since there are more liabilities, the policy will be more expensive. Some policies also cover permanent disability you might experience after a crash, or even the death of a passenger. If you buy a car with the help of a financing service from the dealership or from a bank, it might be required to sign-up for a Vollkasko to cover the risks.
In general, when you are looking for a car insurance in Germany for a newly-bought car, it is advised to go for a full coverage as you have put a lot of money to buy the car in the first place. You should try to protect its value. People who buy second-hand cars usually go with Teilkasko.
Factors impacting the costs
Now the criteria that will decide how much you will pay for your car insurance in Germany don’t differ much from what you might know:
- Driving experience / Age
- City vs country-side
- Previous insurance record
- Number of drivers
- Postal code: some areas are more vulnerable to crime/accidents/theft
- Value/model/size/power of the car: the bigger the car is, the more expensive it gets
- Driving distance: the more you drive in a year, the more it will cost you
Using your existing driving record
One of the first questions i had when looking for a car insurance in Germany was: “It is possible to transfer my good driving history to a german contract?“. I had been driving a few years prior without any accident, so it would have been a shame if i couldn’t enjoy a nice discount on the price i’d pay in Germany too. The answer is more often that not “Yes”. Simply ask your insurance company to write you an official-looking statement proving your good conduct. This helped to access a cheaper car insurance in Germany, only available to experienced drivers. It can save you hundred of euros a year.
Practical steps to sign up for a german car insurance contract online:
Now that you know the basics, you can go ahead and book a contract with a german car insurance company to obtain the eVB number (elektronische Versicherungsbestätigung – electronic insurance confirmation) you need to register your car. You can compare the most competitive offers on platforms like Preisvergleich.de or Verivox.de to get the cheapest rates available. Fill in your information to receive offers via email.
Here are some items you might need explanations for during that process:
- Saisonkennzeichen (usually, choose no): this is meant for people that only want to have a valid license plate for only part of the year like for a sea-side vehicle for example, resulting in a cheaper car insurance in Germany. Kennzeichen means licence plate
- Fahrzeugnutzung: state here if you plan to use it for private or professional reasons.
- Nächtlicher/Üblicher Stellplatz: state here where the car will usually be parked. A enclosed private garage will result in a cheaper rate.
- Teilnahme am Begleiteten Fahren: In some countries, you can learn to drive with accompanied practice, which usually leads to safer drivers. State here if you did do that.
- Fahrzeugkategorie – Kombi/Limousine/Cabrio: german names for station wagon/sedan/convertible.
- Punkte in Flensburg: the local equivalent of the point system managed by the Kraftfahrt Bundesamt, where you can lose points when driving recklessly on the road.
- Selbstbeteiligung: German name for the deductible, the small amount that comes out of your pocket when there is a claim. The higher the amount, the cheaper the rate will be.
(Let me know if there are other items you feel unsure about)
Once you have completed all your information, you are presented with the best offers that you can pick from to sign a contract. The whole process thereafter can be very quick and it can take less than 24 hours to receive your eVB number by email.
ValuePenguin researched and crunched the numbers to get you the average cost of car insurance by state. Use our data to see what your states average premiums are to get a better idea of what you should be paying for insurance.
To jump directly to the average cost for different types of insurance, click on the links below:
- Car Insurance
- Car Insurance Rates: By Age
- Car Insurance Rates: By Gender
- Homeowners Insurance
- Renters Insurance
- Health Insurance
- Pet Insurance
Average Cost of Car Insurance
The average annual cost of car insurance paid in the United States was $907.38 in 2014 according to a study commissioned by Quadrant Information Services. This figure will vary wildly state to state and does not always include all forms of coverage and may not be accurately reflect your coverage needs. Scroll through the table below to find the average cost of car insurance in your state or use the form to find a cheaper quote for auto insurance.
Data from various states’ Departments of Insurance show that annual car insurance premiums are on the rise in the majority of states across the nation. The average cost of insurance for car owners of insuring their vehicles from accidents and other events has generally increased, with the exceptions of Arkansas, Georgia, North Carolina, and Virginia, who all saw their car insurance premiums drop between 1% and 5% in the last year. These quotes for automobile insurance in select states across the country should give you a ballpark estimate for average annual car insurance.
Car Insurance Rates by Age
Auto insurance quotes will vary significantly depending on the age of the driver or applicant. Young drivers are notoriously more dangerous behind the wheel and because of that, insurance companies charge higher rates on policies covering young drivers. The chart below will show you how drastically car insurance quotes fluctuate based on your age. Each dollar amount in the graph below represents the average annual cost at that age.
If you’re interested in reading more about how your age affects your car insurance rates check out our full analysis here.
Car Insurance Rates by Gender
Amongst those drivers that have had no violations or accidents within the past 3 years, auto insurance rates are fairly similar with the exception of young drivers. Our data, which looked at rates from 54 different insurance companies, showed that 19 year old male drivers paid an average of 12% more in car insurance premiums each year over their female counterparts. Why is this the case? While gender is not a direct ratings factor that insurance companies look at, the data behind the gender shows that men tend to drive more often, receive more speeding tickets, be involved in more accidents, and receive more DUI convictions than women!
Average Cost of Home Insurance
The average cost of homeowners insurance throughout the United States is $978 per year. Take a look at our table below to get an idea of how much it costs in your state.
Home insurance is designed to cover homeowners in the event of any unforeseen catastrophe that damages their home. The average cost of home insurance will be influenced primarily by the location of your residential property and the extent of your insurance coverage. Several types of home insurance are common or typical to specific regions or locales, such as damage to floodwaters, hurricanes, earthquakes, etc. As a general rule, the Federal Reserve Bureau says you can estimate the expense of homeowners insurance by dividing the value of your home by 1,000 and then multiplying that number by $3.50. Using average home price data from AARP, here are some typical annual homeowners insurance prices from around the country, ValuePenguin has constructed a table for your reference.
Average Cost of Renters Insurance
The average cost of renters insurance for 2016 (for $20,000-$30,000 in coverage).
If you’re one of the millions of Americans who have forgone buying a house in exchange for renting a place, you may want to consider renters insurance as a way to protect your personal belongings. Renters insurance protects your studio, walk-up apartment, or elevator apartment against events such as destruction of property from fire, vandalism, and theft. Looking at some of the average costs of renters insurance in our four representative states, ValuePenguin thinks the monthly premium is cheap enough and worth the peace of mind knowing you can at least recover the cost of any lost or damaged items.
Average Cost of Health Insurance
Health insurance is an important investment to make in oneself, family members, and loved ones. According to the Department of Health and Human Services’ 2017 Annual Insurance Survey, the average monthly premium for individuals in the United States was $476 (or $5,712 per year). Between 2013 and 2017, average premiums increased 105% for individual policies. These figures include rates from all 39 Healthcare.gov states.
The average cost of health insurance ranges between $319 in Utah and $1,041 in Alaska. ValuePenguin’s table has a few examples of average annual premiums for individuals in select states to give you an idea of the average cost of health insurance. For a full treatment of the average cost of health insurance see our in depth article.
Average Cost of Pet Insurance
Insurance companies providing pet health coverage factor in the breed of your pet when determining quotes for your premium. In a 2017 survey of the market, ValuePenguin found that on average, medical insurance prices for the most popular breeds of pooches varied by over 18%, and rates for the most popular cat breeds varied by over 62%.
The below table shows the estimated monthly cost of pet insurance for the most popular breeds of cat, averaged across the expected monthly premiums of the different plans at several major pet insurance providers. To compare across different insurance policies for your pet, use ValuePenguin’s pet insurance comparison tool here.
If you’ve ever shopped around for car insurance, there’s one thing you may already realize: Calculating rates is not an exact science. This is why you can get relatively different quotes from different insurers. It’s also why you should shop around.
That said, your rate is also affected by a variety of factors — some of which you can control, and some of which you can’t. You probably already know that factors like your gender, age, and driving record affect your auto insurance rates, so we reached out to a few experts to find out what other, lesser-known factors can affect your premiums. Here are a few.
1. The kind of car you drive
You can probably guess that if you drive a $100,000 sports car, you’re going to have very high insurance rates. But there are a lot of other common details about your car that could affect your insurance rates.
According to Mark Nicholson, marketing director at auto marketing company Absolute Results Productions Ltd., these include the safety rating of your vehicle, its size and age, and even the likelihood that it might be stolen.
«Another factor some providers use is how much horsepower your engine has, because by their logic, it suggests that you’re more likely to drive fast and are at greater risk of getting into an accident,» Nicholson says.
This is why when you’re buying a new car, it’s a good idea to call for insurance quotes before you actually make your final purchase decision. If the new car you choose is considerably faster or sportier than the one you’re driving now, that’ll be reflected in a higher insurance rate.
For example, if you’re considering a 4×4 SUV, you need to consider that a factor as well.
«Even if 90 percent of 4×4 SUVs will never be driven off-road, the insurance company will assume you’ll want to take the occasional trek up a mountainside or fly down that dirt path through the woods. That’s a higher risk, and you’ll pay more for it,» says Chris Burdick of Automoblog.net.
Even if you opt for a super-practical family sedan, you still might get stuck with high insurance premiums.
«You’d think that the more common the car, the less insurance will be, but that’s not always the case,» Burdick says. «For example, if you own a Honda Accord, it’s considered to be one of the most stolen cars in the U.S. Same with the Honda Civic, Nissan Altima, Chevy Impala, and Toyota Camry. If you own a car that’s stolen frequently, your insurance company will find that to be a higher risk and your insurance rates will go up accordingly.»
Bottom line? Talk to your insurance company before you choose a new car to ensure that insurance rates for the vehicle you’re considering are in line with what you’re willing or able to pay. (See also: Here’s How a Claim Will Impact Your Car Insurance)
2. Poor credit
Yup, they’re watching you. In fact, your insurance company probably uses quite a few facts about you — both basic and personal — to calculate your car insurance rate. Some of the most common factors that will count against you and raise your rate include being under 25, being male, and having a poor credit score.
«We can see a difference in rate of 100 percent or more in premium increase for someone with poor credit,» says Joe Espenschied, agency principal and owner at Insurance Brokers Group. «When we have a quote for someone with a clean driving history — but a very high insurance premium — it’s due to credit.»
At least credit (unlike age and gender) is a factor you can control. But there are other interesting details about your life that could impact your premium, too.
3. Homeowner status
Sophia Borghese, a consultant for Superior Honda in Louisiana, says that being a homeowner can impact your insurance rate, much like your credit score.
«Homeowners are lucky. It’s thought that they do not have as many financial issues as renters. Because of this, insurance companies trust and reward them by not giving them the burden of high rates,» Borghese says.
4. Marital status
Another personal detail many insurers consider is your marital status. Some insurers see married drivers as being more responsible than single ones. In fact, a 2004 study by the National Institutes of Health and reported on by DMV.org found that singles were twice as likely as married people to get into automobile accidents.
«The amount by which your rates drop can vary greatly based on your other circumstances, although men’s rates tend to drop more than women’s when they get married,» says Steve Pritchard, founder of insurance comparison site Cuuver. «However, those who have a driving history free of accidents, and a clean driving record before getting married, could see their rates reduced by almost half of what they were paying before they tied the knot.»
5. Your career
There’s one more personal wild-card that could have an impact on your premium: your job. According to The Zebra’s 2018 State of Auto Insurance Report, drivers with full-time jobs will save about $30 on car insurance over those who are unemployed, while active duty military and veterans will get a discount of about $50 over civilians. If you use your vehicle for work, you can also expect to see your rates go up.
6. How and where you drive
We all know that our driving records affect our insurance rates, but there are lots of other components of how and where you drive that can affect premiums as well.
The distance of your commute to work can affect your premium. After all, if you’re on the road longer, you’re considered higher risk. (Which is why you should definitely inform your insurance provider whenever your commute changes.)
Where you live and drive is also scored according to cases of vandalism, the number of claims and fraudulent claims in that area, cases of vehicle theft, and the occurrence of damaging weather, such as flooding or hurricanes.
But insurance providers are also moving beyond statistics and data about your past behavior to provide insurance based on how you are actually driving day to day. This involves installing what’s called a usage-based insurance device into your car, which tracks your driving behavior.
«If you practice safe driving habits, don’t frequently drive between 12:00 and 2 a.m., or use lots of high-traffic routes, you could qualify for up to a 30 percent decrease in insurance rates,» says Anna Drake, the insurance producer at Insurance Shop LLC. Of course, if your driving habits are less than stellar, this type of policy could also drive your rates upward.
7. And then there’s the «secret sauce»
While most insurance companies use some combination of the same or similar factors to calculate your insurance rate, there’s no standard calculation.
«Each company compiles its own factors to find its own ‘secret sauce’ or ‘ideal insured.’ When the individual hits a company’s sweet spot, it will reflect in pricing and coverage,» says Janine Fixmer, an independent insurance agent at Agency Insurance LLC.
This why it’s so important to shop around for the best rate and coverage, and to try to keep a handle on the factors insurance companies consider that you can control — such as your driving record, credit score, and the type of vehicle you choose to drive. (See also: 6 Mistakes to Avoid When Shopping for Car Insurance)
Car insurance rates are always changing. Maybe you like your car insurance agent but do not know whether or not you have a good rate. How do you really know? Knowing whether or not your car insurance rate is good is important to your overall financial well-being. Understanding where improvements can be made could save you lots of money in future premiums.
Ask your insurance agent
Assuming you trust your agent to give you a fair answer, he or she will be able to tell you what is affecting your insurance rate.
Maybe you are in the best tier in every aspect regarding car insurance; however, most drivers have room for improvement. An insurance agent’s professional opinion can really help you pinpoint your insurance pitfalls. Some potential answers from your insurance agent might include:
- Your insurance credit score is mid-range and could be improved to lower your overall car insurance costs.
- A traffic violation will be falling off at your next renewal and you will see your monthly payment lowered.
- We don’t currently insure your home; you could switch your home policy to us and save big on your car insurance premium with a multi-policy discount.
- You are paying a $10 late fee every month. By moving your payment date to a date which works for you and combining the change with electronic withdrawal you could save even more.
- You are currently doing everything right. You have a good driving record and are receiving the good student discount. The only thing holding you back still is your age. Once you hit 25, your rate will go down making you a preferred driver.
Regardless of what your agent tells you about your car insurance rate, it should put things in perspective and give you a better understanding of what goes into determining your rate. Mindlessly paying out hundreds of dollars for car insurance without knowing why you pay the rate you do, could mean you are overspending thousands of dollars over your lifetime.
Shop around for car insurance quotes
Determining whether your car insurance rate is good or not also depends on the insurance carrier you select. Rates can vary widely between insurance carriers. Insurance carriers base their rates upon what their target market is and claims paid out. Shopping around for a car insurance quote can help you determine if you are paying a competitive rate.
- Always compare apples to apples. It is important to get insurance quotes which are as similar to your existing coverage as possible; otherwise, you will not be able to compare insurance carriers accurately.
- Once you receive quotes from a couple of different carriers you can compare coverage and price. You should be able to immediately determine which carrier is offering the best car insurance rate.
Compare with family and friends
Normally it is not recommended to compare car insurance rates with family and friends because car insurance is comprised of so many variables. It is preferred to use family and friend comparisons to determine good service from a particular carrier instead of a good insurance rate. Also, it will give you a sense of stability from a particular carrier if a friend’s rate has been steady for years.
Determining whether your car insurance policy has a good rate should be a fairly simple process. It is the first step in making a decision to stay with your current insurance company or making a switch. Car insurance rates are important, but so is customer service. Don’t let the temptation of a great price make you settle for mediocre service.
When you have to contend with car payments and fuel costs, one of your top priorities should be to learn how to lower your car insurance premiums. You’ll learn more than 20 things that make car insurance cheaper, with advice on:
- How to lower car insurance rates
- How to lower insurance after speeding tickets
- How to keep cheap car insurance after an accident
- How to get the cheapest car insurance possible
Additionally, information on auto insurance tracking devices, as well as tips on how to get cheap car insurance at 18, are covered in the following sections. So, you do get the cheapest car insurance possible?
Don’t Automatically Believe “Cheapest Insurance” ClaimsA lot of companies advertise super-low insurance rates, yet rates can vary widely, even between two different drivers with the same insurance company. A company that offers the cheapest rate to one driver could offer the most expensive rate to another. Sometimes the disparity is down to which part of the country you live in. In other cases, it could be down to your driving record.Reasons why the same company might offer widely different driving rates from applicant to applicant could include:
- The state in which the driver lives
- History of traffic infractions
- The type of vehicle in question
Certain companies have been found to offer higher rates to individual drivers based on predictive modeling, where a search into the applicant’s record indicates that he or she would be unlikely to change insurance providers. Fortunately, this tactic – typically referred to as “price optimization” – has been outlawed in 16 states.
In any case, drivers should shop around for the lowest insurance rates. According to a recent study by NerdWallet, there’s an $859 annual disparitybetween the average quote and the lowest actual rates.
- Get Multiple Quotes Before You ChooseInsurance companies differ in the rates they offer, regardless of your driving record or the kind of car that you drive. In fact, two drivers with identical profiles could easily score policies that are hundreds of dollars apart. Therefore, it’s wise to check with multiple insurance companies before you choose a policy.To find the lowest-priced insurance providers, check the online map for The National Association of Insurance Commissioners, which lists carriers state-by-state. From here, you can access consumer comparisons and info about each company, including customer complaints.While people sometimes assume that low rates equal poor-quality insurance, this is often not the case. In fact, some of the most advantageous policies carry the lowest monthly premiums.
- Consider a Smaller, Local Insurance ProviderWhen it comes to auto insurance, a lot of motorists only think about the big names that advertise on billboards and television. A driver can often find less expensive insurance rates from a local provider in his or her hometown. A good example of such a company is David Pope Insurance, which has locations in the cities of Union and St. Clair, Missouri. Therefore, it’s best to compare rates between local and national insurance providers to find the lowest available quotes for drivers in your area.
- Ask About Insurance Rate DiscountsInsurance companies provide discount rates based on some variables. You can find out about these discounts by checking with agents from different insurance providers. Examples of things that can get you an insurance discount include:
- Bundled policies that combine car insurance with homeowner insurance
- Multiple cars on one policy
- A clean driving record
- Anti-theft safety features on your vehicle
- Upfront annual or biannual insurance payments
- Paperless billing
A lot of companies offer lower insurance rates to drivers with low annual mileage. If you only commute short distances to and from work, or if you carpool to work on a regular basis, share this information with an insurance agent to see if this could qualify you for a discounted rate. Some carriers will also offer discounts to applicants that opt for paperless billing, as this saves companies on overhead expenses.
Whether you’ve just bought a new car, are looking to change insurance carriers or are simply shopping around, getting an online car insurance quote from Liberty Mutual is secure, quick and easy.
Cheap California Auto Insurance Quotes
If you need comprehensive yet affordable California auto insurance, Strong Tie Insurance is your solution.
For years Strong Tie Insurance has been developing an insurance community to improve the insurance coverage extended to you. We can now say that we are one of the top providers of customer support and representation in California insurance. We are very proud of the insurance services we can offer you.
California auto insurance may be one of the most commonly sought lines of insurance, but that doesn’t mean you should take shortcuts when weighing your options. We believe that each customer should know and understand all of their CA car insurance options without feeling inundated. Our well-informed agents do their best to simplify the California auto insurance selection process for you.
At Strong Tie Insurance, we understand that you may not want to spend a great deal of time purchasing an California auto insurance policy. You can get the ball rolling quick and easy by filling out the free quote form on this page. You also have the option of talking to one of knowledgeable agents for a more personalized experience.
We offer the following options for your CA car insurance plan:
- California Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
- California Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
- California Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
- California Collision Insurance– insures the policyholder from loss during a collision with another vehicle or object.
- California Comprehensive Auto Insurance – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
- California Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.
Strong Tie Insurance wants to help you find a cost-effective, comprehensive auto insurance policy. As an independent insurance broker, we can shop our list of insurance partners to determine a plan that best fits your lifestyle – this is a perk the chain insurance companies cannot offer you.
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