6 tips for comparing car insurance by price!

Tip 2: Look critically at coverage

You have three choices for your car insurance coverage: third-party, third-party + limited collision and all-risk. If you look at the price, third-party insurance is the least comprehensive and therefore the cheapest insurance, and all-risk insurance is the most comprehensive and therefore the most expensive insurance.

When choosing coverage, look at the age of your car. Many people pay too much money for their auto insurance because the coverage does not (no longer) fit the age of their car. Generally, the following ages are used:

This is just a guideline, older cars can sometimes be better insured comprehensively as well. In fact, these days cars last longer than they used to. According to the Bovag-Rai Mobility Foundation, the average age at which a car is scrapped is about 18 years.

Having the right coverage will ensure that you are properly insured in every situation. Repair costs on a car can be considerable, not to mention personal injury. It's therefore nice to be properly insured, so you can avoid sky-high costs.

Tip 3: Look at the amount of the deductible

Most insurers apply a deductible for damage to a car. This is the portion of the cost that is for your own account. Most insurers use a standard deductible, but the amounts may vary. You can choose to increase the deductible. This way you pay less premium for your car insurance. By increasing the deductible you can save a lot of money.

There are also insurers who do not have a deductible at all. Always check the policy conditions of the insurer to see what conditions they have set for the deductible.

Tip 4: Avoid double insurance

When calculating the price for car insurance, you will also be asked whether you want to take out additional insurance, such as legal expenses insurance, accident occupant insurance, passenger damage insurance or roadside assistance insurance. Make sure you are not double insured. Do you already have legal assistance insurance with the Traffic module? Or are you already insured for roadside assistance with another agency? Then of course you do not have to take out this insurance again. This way you save on the price of your car insurance.

Tip 5: Pay attention to your claim-free years

Have you had car insurance before? Then you have accumulated claim-free years in recent years. For every year that you do not claim, you get one claim-free year. The more claim-free years you have accumulated, the more premium discount you will receive. Of course, when comparing car insurance policies, you cannot change the number of claim-free years you have accumulated. However, in case of relatively minor damage to your car, you can choose not to claim any damage with your insurer. This way you ensure that you do not lose any claim-free years and the premium does not increase.

Tip 6: Compare every year

Premiums and policy terms of a car insurance company can change every year. Therefore, a car insurance policy with the same coverage may suddenly be cheaper next year with another insurer. Your personal situation can also change. We therefore advise you to check annually whether your car insurance still suits you. The comparison is very easy via our online comparison tool. With the license plate number we can find out a lot of information about your car. After entering some personal data, the comparison can begin. This way you will always find the cheapest car insurance at the best price.