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 same car insurer?
People are creatures of habit. If something is good, it is good. We often don't like to change things. According to research by a major insurer, a motorist stays with the same auto insurer longer when that person is older. In fact, on average in the Netherlands, we stay with the same insurer for 14 years. In fact, when buying a new/other car, most motorists remain loyal to the same insurer. Convenience serves man... And yet, with some thorough comparisons, there are often benefits to be gained from switching 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
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Comparing premiums and auto insurance useful?
But how do you know what is wise? Switch car insurance or not? It starts with comparison. Always make sure you take the time to compare car insurance policies calmly. Fill in exactly your current situation each time. This will give you a better idea of what the premium will be for you.
Always keep in mind that your desired coverage for your car may change over the years. Suppose you have been driving a car for 15 years that you initially had all-risk insurance. This is probably no longer necessary now! In addition, you may have already accumulated additional claim-free years.
Get affordable car insurance at Alpina
Do you 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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