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What type of car insurance do you need and does a comprehensive insurance make sense?

Anyone traveling by car should be aware that a car insurance policy is mendatory for each vehicle. Every car owner has the right to independently decide about the kind of insurance and the insurance provider unless it is not the liability insurance. Unlike with the collision damage insurance / comprehensive insurance in case of coverages for damages of the owner’s vehicle. Car insurance can be devided in partially comprehensive insurance and fully comprehensive insurance (including the partially comprehensive insurance). In the end when you decided for which one you want to go this insurance can be adapted in terms of deductables. Note: the higher the payable personal contribution into the insurance is, the lower the insurance premium will be.

Will you as an insured person have more options in case of adapting premiums? Yes! In the age of internet it has become very easy to compare car insurance providers online for example with the help of Anivo.ch. Therewith you are able to generate the ideal price-performance ratio for yourself. Through the flexible adjustment of the parameters in the insurance details – amount of the deductible for an optional insurance or additional coverage – you are able to filter out the best results for yourself.

Car insurance and comprehensive insurance – what does the contribution amount depends on?

The level of contributions for the car insurance and comprehensive insurance is influenced by many different factors. In addition to the vehicle, the driver, the scope of the insurance coverage and the bonus/malus classicfication each policy holder can work for by accident-free driving, in the end still many other key figures are included in the formula for generating the premium payable for the car insurance. Thereby personal indicators of the policyholder are going into the car insurance and the comprehensive insurance. Facts like the location, origin, age, gender and the kilometres each policyholder covers per year, as well as how the equipment of the vehicle is like and if the vehicle owner has a parking space, a underground car park or a single garage etc. It can be assumed that the car insurance is the type of insurance, in which most of the factors have an effect when it comes to the amount of the insurance premium. But why is this the case?

The large number of influencing factors into the car insurance and comprehensive insurance should ensure that a so-called fair contribution is there. That explains why the person who travels a few kilometers per year without any damages is better off in terms of car insurance and comprehensive insurance then for example any novice drivers who brings a statistically higher accident risk with more kilometeres on the road.

Are all factors for the car insurance as well as for comprehensive insurance on a cross-insurance basis identical?

The answer is quite clear: No, and that’s what makes the range of car insurance and comprehensive insurance for the untrained eye intransparent. Yes: when it comes to car insurance and comprehensive insurance, an insured person will not be able to avoid informing themselves in order to avoid excessive or unnecessary costs. Because basically it is quite simple, if you want to shed some light on the dark of rating factors of the car insurance and the comprehensive insurance.

Basically, as by the policy holders car insurance and comprehensive insurance are distingueshed by subjective and objective hazardous characteristics. That the subjective characteristics for the car insurance and comprehensive insurance are oriented to the insured person is certainly self-explanatory. That is why among this field of car insurance and comprehensive insurance the age of the insured person, the period of ownership of the driving license, the bonus / malus classification as well as the place of residence (rural or urban) of the insured person counts. When speaking of the objective key figures for the car insurance and comprehensive insurance, it involves the vehicle (how often the vehicle is involved in accidents) the age of the vehicle, the horsepower, the type of vehicle and, of course, also the manner in which the vehicle is used – private, business and so on.

Car insurance and comprehensive insurance – Type Class and Regional Class

For the car insurance and comprehensive insurance each vehicle will be assigned to a type class based on the statistical values in terms of accidents and loss figures. The individual risk of an accident of the vehicle therefore can be seen on the type class of the car insurance and comprehensive insurance. Is the risk statistically very high on your own vehicle you will be involved in an accident, the type of class and hence the premium that you have to pay for car insurance and comprehensive insurance increases. The Type class and thereby also the premium on your car insurance and comprehensive insurance increases if the risk that you will be involved in an accident with your own vehicle, is very high.

The Regional category of the car insurance and the comprehensive insurance relates, as expected, to the region (Canton, location) in which the vehicle is registered. With this part of the car insurance and comprehensive insurance, the insurers take into account, that the likelihood of harm from region to region differs. When it comes to car insurance and comprehensive insurance agglomerations thereby perform worse than rural areas with rather low frequency of accidents. The more unfavorable the prognosis of regional class in car insurance and comprehensive insurance, the higher the contribution.

Another criteria for the contribution in finding car insurance and comprehensive insurance premiums are the bonus / malus classification and the so-called no-claims bonus. The bonus / malus classification of the car insurance or the comprehensive insurance aligns itself on how long the policy holder was able to drive without an accident. Herewith the driving behavior or the luck of the driver gets rewarded in Franken and Rappen. The bonus / malus classification can be recognized pretty easy in the form of a number (the no-claims category). However inconsistency again found with the no-claims bonus in the car insurance and comprehensive insurance, because there is no single solution. It may make up a significant amount in the annual average, if you only pay only 35 instead of 40 percent for your car insurance and comprehensive insurance.

Car insurance and comprehensive insurance – children and repair shop affiliation dropping premiums

Anyone who wants to ensure moving at the bottom of the premiums for car insurance and comprehensive insurance can reduce it’s premiums with a high deductible (you pay part of the damage itself), a default authorized repair shop (repair shop affiliation), discount for rare driving, single driver discount (only one person is allowed to drive the car), an existing garage as covered parking (reduced theft risk) or with children under 14 years old (parents are not as willing to take risks when children are sitting in the car). Even a member in an automobile club can help to reduce the premium amount in car insurance and comprehensive insurance.

How to terminate your car insurance or comprehensive insurance correctly?

The following basically applies: liability insurance and comprehensive insurance can be terminated separately from each other in autumn of each year as of September 30th. This lies in the fact that in terms of car insurance with liability (compulsory insurance) and comprehensive insurance (insurance of choice) separate contracts are concerned. Is September always the due date for the car insurance and comprehensive insurance? Not always! There are companies that actually underwrite annual contracts for the car insurance and the comprehensive insurance and therefore the completion date is crucial. If the insurer increases the premium of the car insurance or the comprehensive insurance an exceptional right of termination is valid. In this case you will have one month of cancellation period once the premium increase will be announced.  Is also possible that the insured can terminate after a claim – regardless of the regulation by the insured. And please don’t forget to terminate the car insurance or comprehensive insurance only after the new contract was already requested.

Car Insurance and comprehensive insurance – a comparison is worth it

The only way to really make sure not to pay too high premiums at any time should always be up to date what the competition of the own insurer offers. Only those who are comparing will find the optimal solution at the end and will save cash.

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Anivo.ch is your online insurance comparison and personal insurance broker!

Anivo.ch is the first Swiss online insurance broker. We offer an online insurance comparison of the best Swiss insurance providers, combined with individual and personal insurance advice by our independent insurance experts, whenever you wish. Thus Anivo.ch is the recommended insurance comparison in Switzerland.

You can currently find an insurance comparison for your car insurance on Anivo.ch. We will expand our insurance comparison to home insurance, liability insurance and legal protection insurance. Through our innovative insurance comparison you will not only find the best prices, but you can also compare the detailed services of insurance products.

In addition, you will find an innovative health insurance comparison on Anivo.ch, which allows you to compare the premiums for basic health insurance and the benefits of the supplementary insurance of the leading Swiss insurance providers. To make your choice easier, our insurance experts have compared and transparently evaluated all products of the supplementary insurance. In this way you will not only compare insurance premiums with us but also the quality of their products!

Currently you are able to compare your car insurance – liability insurance, partial coverage, comprehensive insurance or accident insurance with our online insurance comparison service in less than 2 minutes. Simple, anonymous and free of charge. A personal point of contact will assist you in your matters with advice and practical help if you wish.