Car insurance: test winner at Stiftung Warentest

Stiftung Warentest checked 160 tariffs from 73 car insurance companies: Where can people aged 20, 40 and 70 find a cheap car policy that covers all important things? In the summary, we show which providers are worthwhile and how you can find the best car insurance.

Stiftung Warentest checks car insurance: Allsecur and DA Direkt in front

Keep your eyes open when choosing the right car insurance: Because with the right car policy, you can easily save a three-digit amount. Stiftung Warentest published the results of their investigation in the magazine "Finanztest":

• Allsecur and DA Direkt offer the cheapest basic tariff in most cases. The comfort tariffs are also impressive, particularly low at DA Direkt.
• Direct Line, Hannoversche and Huk24 are also cheaper than the average. However, you always have to differentiate between liability, partial and fully comprehensive insurance.
• Age also plays a decisive role: the premium rate from Admiral Direkt (partial coverage) is about average for 40-year-olds, but 70-year-olds find a cheaper provider almost everywhere. Only an individual comparison helps here.

The best car insurance for 20, 40 and 70 year olds

• 20-year-olds: Liability plus full and partial coverage is cheapest at Allsecur and Huk24, partial coverage also at Baden Baden.
• 40-year-olds: Direct Line and Baden Badener have the best insurance tariffs (partial insurance + liability) for the middle age group. You pay around 290 euros in the basic tariff and 350 euros in the premium tariff. Fully comprehensive insurance is the cheapest for Direct Line and Allsecur.
• 70-year-olds: Hannoversche, Baden Badener and Direct Line are cheapest for liability + partial coverage. Fully comprehensive insurance is the cheapest for Direct Line and Allsecur.
• All details can be found at test.de-
• Tip: Find the cheapest tariff now.

Saving on car insurance: tips and tricks

• Pay in advance: If you pay the contribution for the whole year in advance, you can easily save 5 percent with many providers.
• Compare: Since many insurance companies change their prices every year, it is worth comparing them on the relevant online portals.
• Workshop tariff: You can save up to 20 percent if you undertake to only drive to a workshop that your insurance company proposes to you.
• Deductible for fully comprehensive insurance: the partial comprehensive insurance is included in the fully comprehensive insurance. It is best to choose the deductible separately for full and partial coverage. Finanztest recommends 150 euros for partial insurance and 300 euros for fully comprehensive insurance.
• We have put together more tips in our special for car insurance.

If you want to switch to another insurance policy now, you will find everything you need to cancel your car insurance policy on the next page.