As the General Association of German Insurers (GDV) reports that the new regional statistics is available. A third of all regions is promoted to the motor vehicle liability insurance. However, this also means that there are changes for a third of all motorists. In the comprehensive insurance up 16% of all classifications change - with the partial coverage 86% remain unchanged.
In the motor vehicle liability insurance, there are 12 regional classes, in the partial cover 16 and in the full insurance 9 classes. For all car insurance, the higher the classification in a regional class, the more expensive the insurance premiums. In other words, the classification in the stage 12 of the liability insurance results in the highest posts. Regional classes are determined by the evaluation of theft, storm damage, hail damage, accidents involving wild animals, etc.
The best regions in Germany for the motor vehicle liability insurance are in Brandenburg, Mecklenburg-Western Pomerania and Lower Saxony. Regions such as the Elbe-Elster, Upper Spreewald-Lausitz, Ostprignitz-Ruppin or the Hanseatic city of Greifswald be classified in the most favorable regional Class 1. The most expensive regions of Germany are for the liability insurance regions in Bavaria, Hesse, Baden-Württemberg and Berlin.
Interestingly, Kaufbeuren and Augsburg to land on the most expensive places. Berlin reached the third place, followed Offenbach, Wiesbaden, Passau, Amberg, Nuremberg, Pforzheim and Völklingen. All these cities have in common that their regional class is 12.
In the full insurance are again the most expensive regions of Bavaria and Berlin. Ostallgaeu, Garmisch-Partenkirchen and Berlin to land on the most expensive first places. The best regional classes, visit Oldenburg, Friesland and Ammer country. In the partial coverage is Bayern finds himself on the most expensive places, but this time followed by Saxony-Anhalt and Mecklenburg-Vorpommern.
The best regions in the partial coverage can be found in Bavaria, North Rhine-Westphalia and Lower Saxony. Blessed is he who completes a partial coverage in Würzburg, Herford, Muenster or Bamberg.
Car and alcohol are known to fit together not good. Starting at 0.3 per mille driving ability is limited. If you are caught with this amount of alcohol must expect punishment. Accidents under the influence of alcohol also be interested in car insurance. After all, who drives intoxicated, could lose the coverage completely or partially.
It is interesting that many people with alcohol a bit misjudge: Although it is known that approximately 0.1 per thousand is metabolized by the body per hour. So if you have 1.0 per mille in the blood, one can easily figure out that the alcohol is removed after 10 hours. Far from it: The alcohol needs because once an hour to even get into the blood. Thus, the degradation time increased to eleven hours. It may be that one by 22 clock has 1.0 per mille in the blood at night - and by 8 clock gets back into the car to go to work. There are indeed past ten hours, but a residual alcohol from 0.1 per thousand is still present in the blood. One drinks until midnight, so you have the morning at 8 clock 0.3 per mille in the blood. This means that the driving ability is limited.
So it is not surprising that a total alcohol ban applies to novice drivers. For novice drivers under age 21 driving under the influence of alcohol is one of the main causes of accidents. Therefore, the alcohol prohibition applies even for drivers and drivers under the age of 21 - even if they have the probationary period behind it. In addition, an age-independent alcohol prohibition applies during the trial period.
Violations of these regulations are punishable by fines, probation extension, advanced seminars and points to the driving record. Exceeding the BAC limit of 0.3, 0.5 and 1.1 per mil is covered with extensive penalties, including license loss on time, fines, points, fines, and permanent loss of license.
Moreover, it is in danger, that his car insurance not paid - ie the motor vehicle liability insurance will pay the injured of course, the money can also bring back up to a height of 5,000 Euros in insured. Because the insured acts with gross negligence and breach of its duty obligations.
A smart sports car outside the front door has what. Not only that, he draws attention to itself and the neighbors can turn pale with envy. He also promises pure driving pleasure. The only problem: Before you even get behind the wheel and allowed the first kilometer drive a car insurance policy must be completed. While the insurance industry family car or small city cars love to assure they stay in sports cars and exotics generally more reserved. For the owners so may start an odyssey before they have the appropriate tariff found.
A car insurance for sports cars , especially if they are high-priced and come up with a horsepower beyond good and evil, is not self-evident. In this segment, only a few insurance companies are active. Instead of a car insurance then they speak of a so-called exotics insurance. The rates are different from those for normal vehicles in many ways, starting with the calculation of the contribution. This means in the first place: The holder must engage much deeper pockets. This has several reasons. Firstly, the risk of accidents in sports car is considered very high. Secondly, it is extremely expensive for car insurance when they need to regulate a fully comprehensive damage. Therefore proves on sports runabouts specifically the insurance as Achilles heel.
Otherwise flow in the calculation of premiums just like any other car insurance, among other things, the age of the customer, the driving experience, the far reaching claims category, the city, the mileage per year and the vehicle one. Equally important is the self involvement. It may be 10,000 euros in a Exoten- or sports car insurance before. Other companies use a percentage of the vehicle value for the deductible. Whether you drive a Ferrari, a Lamborghini or a Dodge Viper GTS-R: Given the different benefits packages and requirements is also worthwhile for these models a car insurance comparison.