"Explore Germany with Anthonyraj: Your Go-To Resource for Expat Living, Visas, Citizenship, Real Estate, Insurances, Banking, and More!"
Hey guys my name is Anthonyraj and welcome to m website where i make article for expats living in germany until now i have covered topics like different visas in germany citizenship in germany buying a house in germany different insurances banks credit cards and many other things so if you're interested in those things then you can find them on my website and some of the important ones i have already posted in the article then that means that either you already bought a car and now you're looking for a car insurance or you are planning to buy a car i have already made a article about how to buy a car in germany you can check it out and if you have any confusions about the process i have experienced this myself and that is why i've explained this process in that article and also gave some of the pro tips along.
"Demystifying Car Insurance in Germany: Legal Requirements, Registration, and the Basics of Third-Party Liability Coverage"
The way in this video so you can check that out you'll find the post in the website now let's discuss the car insurance in germany so if you are thinking that is it possible to own a car without insurance then it is not possible by law every car in germany should have at least third party liability shows because without that they will not even let you register your car and get a number plate and without a number plate you can't even park a car on a public street because a car without a number plate is not insured this shows that how important it is in germany that you should have a car insurance because every car should be in short the basic car insurance is like the third party liability insurance in german it is called half-life fetish room This insurance covers all the damages that are caused by you to another person's property. In other words, if you cause an accident, your insurance company will pay for the damages for the other person.
We have two other types of insurance:
one called partial coverage,and the other called full coverage, which is like full coverage in the partial coverage. beside third-party liability Your insurance company will also cover damages to your car, but they only cover the damages if these things happen to your car, like
- number one if your car is damaged due to any fire or explosion,
- number two if somebody stole your car or stole some parts of your car,
- number three if nature causes the damage, then it is covered, for example, damage due to a hair storm due to a flood due to lightning, so these are the damages that are caused by nature,
- number four if your car gets damaged due to any internal short circuit,
- number five, like a glass break or crack on the windscreen due to a bird strike or a small pebble.
- Number six: damage caused by animals, like if you got hit by a deer or maybe some small animal bit the internal wiring of your car beside these Your insurance provider can add other things, but it depends on your insurance provider.
For example, some insurance providers also cover the cost of key loss and replacement of car locks, so as I said, it depends. Now you might be asking, What happens if I hit somebody by mistake? Who will cover the damage to my car? This comes in full coverage car insurance, like full costco.
"Comparing Costco Insurance Plans: Unveiling the Extensive Coverage of Full Costco, Including Hit-and-Run and Intentional Damage Protection"
Full Costco covers everything that I mentioned in Hobstitch and Tile Costco. In addition to that, Full Costco also covers damages caused by hit-and-run, and if somebody intentionally damages your car, it also covers that. In short, Full Costco covers many things that Style Costco and half of this room do not cover. After this, the questionnaire asks which insurance you should get. this thing depends on the value of your car let's say.
"Choosing the Right Costco Insurance: Half Rich, Tile Costco, or Full Costco? Factors Affecting Costs, From Car Type to Driving History"
that if you can afford the damage caused by either by an accident or somebody else's vandalizes your car then you can go for half rich but if you think that you just bought a new car and you want a full coverage because you know that a small dent could easily cost a few thousand euros so if you don't want to spend more on the damages of your car then you can go for full costco then comes the question that how much these insurances cost half rich insurance is the cheapest one in all these three insurances and then comes the tile costco and the full costco is the most expensive one in all these three i can't tell you the exact amount of these insurances because it depends on number of different factors for example let's say number one type of car in the manufacturing year of the car my driving instructor told me once that half this air of old cars is higher than the new cars because usually people who drive old cars are less careful than that is why they cause more accidents number two How old is your driving licence number three? Your history of accidents If you have caused a few accidents in the past, then you will have higher insurance than somebody who has an accident-free history.
- number four If you are a single person, then it is cheaper; if you want to add a whole family of yours, then it might be expensive.
- Number five is the place where you live, because some cities have more cases of hit-and-run than others.
- Number six The number of kilometres you will drive per year is number seven.
- The purpose of your car is either personal or commercial, because if you're self-employed and you're using your car for your business, then it might be different.
- number eight Yes, believe me, the parking area of your car is also important because if you are parking your car on a public street, there are higher chances of a hit-and-run than in your private garage. These are the factors that will either make your insurance expensive or cheaper, but I have a few pro tips that can help you reduce your insurance.
"Mastering Deductibles in Car Insurance: A Guide to Choosing Wisely and Maximizing Coverage"
Number one: choose yourself with aluminium wisely. In English, it means deductibles. this is the amount which you have to pay in case of damage for example if you cause an accident and the repair cost of that damage is like thousand euros and your detectable is only 300 years then this means that you have to pay only 300 euros and your insurance company will pay the remaining 700 euros it is recommended that your deductible for thai costco should be 150 euros and for full costco should be 300 euros but it depends how much you want to set because this will also affect your car insurance you can also have zero detectable.
"Smart Insurance Savings: Optimal Cost Benefits by Choosing Annual Payments"
if you want second tip always use to pay insurance annually because if you choose i like a monthly quarterly and half yearly payment method then it will increase the total annual insurance fee so pay once per year and reduce the total cost of insurance.
"Optimizing Car Insurance Costs: Key Tips on Annual Kilometer Usage and Transparency in Policy Declarations"
number three annual kilometer usage as i mentioned that it is one of the deciding factors of your insurance cost because if you drive more per year then there are higher chances of getting into an accident and if you drive less then you have fewer chances of getting into an accident so give a realistic number here if you are a weekend driver then you might not need much kilometers but if you drive every day do your work for let's say 50 kilometers then you might need to add these kilometers and estimate them realistically one important thing here is that suppose if you mentioned that you only drive 10 000 kilometers per year but in reality you drive around fifteen thousand kilometers per year then this could be a problem if you ever claimed insurance because at that time the insurance company can say that you are driving more than you mentioned in your contract and this could be the reason for your accident and they will not cover some part of the damages but don't worry if you underestimated or overestimated your kilometers because after six months or maybe three months if you think that you are driving more or less you can tell them and they will going to adjust it in your contract and maybe suppose if you over estimated it then they might reduce your car insurance cost or maybe return you some money fourth protip If you already have car insurance in your home country, then you can also ask your old insurance provider to give this record to your German insurance provider. Well, this depends on your home country as well, because some countries do not have this thing.
For example, I don't think we have this thing in Pakistan, or maybe they will accept this thing from Pakistan. Fifth tip: drive carefully and don't cause an accident because with each accident-free year, your sharden fry height class number will increase in English, which means no claim classes. If you don't make any claims to your insurance provider, then each year your no-claim classes will increase, which eventually means that you pay less car insurance. Usually, when you buy a new car in Germany and you don't have any driving history in Germany, your charging fire height class starts at zero and increases with every accident-free year. Here's a table that shows how much bonus you can get with each SF class.
"Decoding Costco Insurance: Unveiling Full Coverage Benefits, Including Hit-and-Run and Intentional Damage Protection"
a friend of mine gave me this tip when i was student that i should buy like a cheap scooter like a moped and register it with insurance then the insurance of such a scooter is usually below like 100 euros 50 euros something like that per year and if i stay extreme free for four years then by the time i buy a proper car i would be already at sf4 which means i will pay approximately 40 less than the guy who just started with sf classes zero number six tip some insurances also have dedicated workshop and they say that if you always take your car insurance to these workshops then you get some discount on your car insurance number seven tip every year you can change your insurance provider if you want and find the cheaper one most of the car insurance provider renews your contract on the first of january and if you want to change them then you have to find another one before november 30th and they change the contract keep that in mind that your sf classes will not have any impact if you change your insurance provider last tip if you're already self-employed then you can declare your car insurance as your expenses in your tax declaration but if you are employed then you can only declare like some percentage of your car insurance when you are filing a tax return then keep this thing in mind this is all you need to know about the insurances now i will tell you the best car insurance companies and also some platforms where you can find one number one is get safe i have a legal insurance with them and i like their service as well that is why i always mention them in my insurance related videos they offer also car insurance but they are currently only accepting customers who wants to move from other insurance to gets they are not entertaining like first timers like sf classes zero for example for that i have another platform which i will mention in a moment but first i would like to mention few key factors here the key features from get safe like number one they give five percent discount every year if you don't cause any accident number two you can add up to five additional drivers in your car insurance number three you can cancel your contract at any time you are not bounded by a year-long contract so this is also something good sometimes get safe gives discounts.
if i find one i will add it in the website beside this i have also mentioned get safe in my other insurance related articles for example like private liability insurance dental insurance and legal insurance so if you want like one insurance provider for all of these insurances then you can go for get safe and get everything covered on one place now after that i have two other platforms where you can check out different insurance.
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