The amount of the car insurance premium is determined by many factors. In addition to the vehicle type, regional and type class and the no-claims discount, a large number of other features are included in the premium calculation - such as the insured person's place of residence, occupation and age or the annual mileage.

Car Insurers differentiate between objective and subjective risk characteristics. The subjective characteristics are closely linked to the person to be insured. This includes, for example, place of residence, occupation, no-claims class or the length of time you have a driver's license.

Objective characteristics relate to the vehicle, for example the engine power of the vehicle, the date of first registration, the type (passenger car, truck, motorbike and others) and the intended use (private use, commercial use, rental).

Amongst the most common factors decreasing car insurance premiums are: The type of insurance coverage, a high no-claims class (SF Klasse), annual payment, no free choice of repair shop in case of an accident, special telematics tariffs, low horsepower & cheap cars.

Amongst the most common factors increasing car insurance premiums are: Including young or unspecified drivers in your insurance coverage, a low no-claims class (SF Klasse), monthly payment, free choice of repair shop in case of an accident, large horsepower & expensive cars.

Type class
Vehicle models are assigned to different type classes based on their damage and accident balance. The type class describes the individual accident risk of a vehicle model based on evaluations of the annual damage statistics.

Regional class

Depends on the region in which registration district the insured person registered his vehicle. Probability of damage varies from region to region and is therefore dependent on the frequency of accidents, the road conditions, etc. . In metropolitan areas with high traffic volumes in particular, significantly higher amounts of damage are recorded.

No claims class and no claims discount

The no-claims class (SF class ) and the associated no-claims discount are decisive for the level of premiums in motor vehicle liability and fully comprehensive insurance.

Deductible amount (Selbstbeteiligung)

A larger deductible amount has a positive effect on the insurance premium if the insured person is willing to pay part of the costs in the event of a claim.

Repair shop choice

The amount of the insurance premium can also be significantly influenced by being tied to a repair shop. With a repair shop agreement, the insured person agrees to have comprehensive damage repaired in a partner repair shop of the insurer. The insurer rewards the repair shop loyalty with discounts of between five and 20 percent.

Age of the driver and points in Flensburg

Younger drivers usually pay more due to increased risk of an accident. If you have points in the central traffic register (located in Flensburg, hence the name), insurance premiums might also be higher.

Single driver and infrequent driver discount

If only the policyholder drives the vehicle, the insurance company can grant a single driver discount.


Keeping your car in a lockable garage protects against theft and damage, thus usually resulting in lower premiums.

Cheaper premium for parents

Parents tend to drive more carefully, that is why there is a family discount for families with children under the age of 14 living in the household.

Payment method

Annual payments can save you up to 25% compared to monthly, quarterly or other payment plans.

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