Kilometer, Zahlweise und Co.: Kfz-Versicherung: So lässt sich auch ohne Wechsel sparen

Kfz-Versicherungen often come with high costs. Even if changing providers is not the immediate choice, reviewing the existing policy may reveal ways to save. Finanztip's expert, Hermann-Josef Tenhagen, advises that contract adjustments can lead to significant savings. A key factor is determining how many people use the vehicle as a driver.

According to a recent Finanztip study, an 18-year-old family member driving as an additional driver typically increases the premium by an average of 120 percent. Reducing the number of drivers when the youngest has grown older and no longer uses the family car can result in substantial savings, as noted by Tenhagen. Another way to cut costs is through workshop binding, which can reduce the premium by about 12 percent of the total.

This means that using the insurer's preferred workshop for collision repairs can lead to savings. In some cases, paying more upfront may be worth it. Tenhagen suggests that increasing the deductible (self-betrag) can lower the overall cost of the policy. It is also more cost-effective to pay the car insurance premium annually rather than monthly or bi-annually.

Lastly, if policyholders find they are driving significantly fewer kilometers than their contract states, they should inform their insurer in writing. This can often lead to a reduction in premiums by up to 20 percent, with the kilometer allowance sometimes even being adjusted retroactively for the current year.