Motor Insurer

More than 20 insurance companies differ in the coming year by classical calculation of risk for regional classes from Berlin, November 12, 2009 until November 30 drivers have the possibility to choose a cheap car insurance for the coming year. In the current Wechselsaison is advisable a careful comparison, because many insurers calculate their tariffs for 2010 according to new risk standards. So, according to research of the independent consumer portal, toptarif.de differ more than 20 insurance companies from the usual pricing after registration districts and differentiated discounting the respective local damage risks. The amount of the insurance premium the regional class, which is associated with the official indicator, played a decisive role so far”, explains insurance expert Thorsten Bohg by toptarif.de. In addition to numerous direct insurers but also large insurance companies such as Allianz, the HUK-Coburg or the DEVK no longer calculate the rates valid for 2010 generally after the registration districts. “Rather a postcode-sharp Association is the calculations or a regional fine selection based on some insurers.” Example Berlin: According to the classical Association a uniform risk value for regional classes applies for the entire federal capital, no matter whether the car holder in the city centre or the outskirts live. With the Germany’s largest insurer, Allianz, but there price differences between individual urban areas by about 5 percent. The differences in the second largest insurance company HUK-Coburg are even higher.

Here vary the rates between the bourgeois Steglitz-Zehlendorf and the scene Borough of Friedrichshain-Kreuzberg by up to 17 percent. There are similarly large differences in the direct insurer direct line. This risk classification of many parts but is totally different as the HUK-Coburg. With the increased departure from the old calculation model for registration districts, two essential factors play a role. Motor insurer can a postcodes on a map more precisely calculate the local risks of a customer. On the other hand allows for a derogation in the new vehicle registration regulation take of the license plate moves within a federal State. This arrangement already applies in Hesse and Schleswig-Holstein. A calculation of the actual risk by the insurer on the basis of the indicator is no longer possible in these cases”, adds Bohg.

Through consumer portals such as toptarif.de (www.toptarif.de/ car insurance) or free service hotline 0800-10 30-499 can find out in just a few minutes specifically on the subject of car insurance consumers and free to switch to a cheaper provider. Corresponding data and maps to this press release can be provided on request. toptarif.de is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, for all common tariffs in Germany. Currently, it includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, automotive, furniture, Residential buildings, private liability, keepers liability and is constantly expanded and updated. The consumer can thereby with minimal free checking, whether there are cheaper rates for him, and, where appropriate, immediately change. The complete service of change of is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases over toptarif.de in any case even additional, not available from the provider themselves bonuses and discounts. Media contact: Christina Salinas Tel.: + 49.30.2576205.28 Email:

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