Changing car insurance: is it wise?
In the Netherlands, just before the turn of the year, we are often busy comparing health insurance policies. This often does not include much consideration of car insurance. But did you know that switching car insurance can sometimes be an advantageous choice? Perhaps by switching car insurance, for example, you may have more appropriate coverage, or lower premiums. In this article from Alpina, we inform you about switching car insurance.
Car insurance: what is the average duration with the same car insurer?
People are creatures of habit. If something is good, it is good. We often do not like to change things. According to research by a large insurance company, a motorist stays longer with the same car insurer when he or she is older. On average, we in the Netherlands even stay with the same insurer for 14 years. It is even so that, when purchasing a new/other car, most motorists remain loyal to the same insurer. Convenience serves the man... And yet it is true that, with some thorough comparison, there is often an advantage in changing car insurance.
The advantage of switching car insurance
A low premium is the pillar for many individuals to stay with the same auto insurance company. But did you know that only 33% know the exact amount of premium they are paying? While there are often a few things involved in switching car insurance companies, it can be worthwhile. By taking out a new and more appropriate insurance policy on the current situation, you will save an average of €180.00 per year.
Your car insurance coverage
Third-party liability (mandatory)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
Limited airframe
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
Comparing premiums and auto insurance useful?
But how do you know what is wise? Switching car insurance or not? It starts with comparing. Always make sure you take your time to compare car insurances. Always enter your exact situation. This way you will know what the premium will be.
Always keep in mind that the desired coverage for your car may change over the years. Imagine: you have been driving a car for 15 years and initially it was insured all-risk. This is probably no longer necessary! In addition, you may have already built up extra claim-free years.
Get affordable car insurance at Alpina
Want to get a good and appropriate car insurance policy? At Alpina, we offer affordable premiums as well as good coverage. Calculate your premium or contact us! If you have any questions, we are always happy to help. Our people will advise you from A to Z when it comes to car insurance and more.
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