Category: money

ARD informs about car insurance change: Deadline is racing

Thursday, 21.11.13 , written by Christian Hafler For the motor insurance change driver remains only a little time. That’s why the ARD Morgenmagazin, together with a financial test expert, provides timely information on expensive motor insurance. Especially frequent drivers and novice drivers can therefore save a lot of money with a change. >  Car Insurance Change: Only a few days left until the deadline

The deadline for the change of motor vehicle insurance is getting closer. Car insurance policies that run until 31 December 2013 will automatically renew for another year. Only those who quit until 30th November and change the car insurance can save a lot of money. Currently, the ARD Morgenmagazin together with Michael Bruns of Finanztest points out that motorists with a car insurance comparison can save a lot of contributions. The price range between the most expensive and the cheapest car insurance is sometimes enormous. For example, frequent travelers pay between € 1,300 and € 450 for their insurance cover. Even with novice drivers, the price differences are very large.

“Dramatic price differences”: Use car insurance change

According to the current motor insurance test of financial test novice drivers with a car insurance change save up to 3,000 euros a year. In the ARD Morgenmagazin Bruns explains that it is not individual insurance companies that are becoming more expensive, but rather individual tariffs and features. These include, for example, the age of the insured person, how many kilometers he drives and the driver’s circle. For most motorists, the car insurance becomes more expensive. A car insurance comparison is therefore worthwhile for most customers. “Prices are on the insurance market very moving,” explains the financial test expert. “The price differences are dramatic.”

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Cheap car insurance equal to better car insurance?

But does cheap always mean better? This question was pursued by the ARD Morgenmagazin. “As a rule, insurers always offer several tariffs,” says Bruns. So there are basic rates, comfort and luxury fares. While the basic rates cover the necessary services, comfort rates offer many additional benefits. These may be superfluous for motorists, however. For example, what is the probability that the car will go down with a ferry? Most insured people can do without this protection and save a few euros.

Car Insurance Change: Deadline shifts in 2013

The deadline for the change of car insurance is extended this year. As the 30th of November this time falls on a Saturday, many companies also accept the termination on 2 December 2013. Important: The notice of termination must be on the table at the latest by this deadline at the car insurer. However, anyone who wants to play safe with his termination should ensure that the letter is available to the provider by 30 November. Insured who miss the appointment, can only terminate after an increase in their car insurance. The special right of termination makes this possible. As soon as drivers have been informed about the rising prices, they have one month to change their car insurance policy.

ARD: Compare is worth every year

According to ARD, savings fox compare and cancel their contract every year. “Sometimes it will also be cheaper if [they] give notice and register again as a new customer with the old insurer.” Although the car insurance comparison does not necessarily have to save a saving of several hundred euros. Recently, the insurance expert Manfred Poweleit criticized that such promises are nonsense. But even if insured can save under 100 €, that relieves the wallet.

The one best car insurance does not exist

Which car insurance incidentally is the best, is difficult to generalize. Although there have been some tests in 2013, they have produced different test winners. This is related to the different examination criteria. For example, the analyzes ask for the most fair car insurer or the car insurer with the best service. A good price-performance ratio can also decide on a motor insurance test winner as transparent and consumer-friendly contract terms. Motorists should therefore know what is important to them in their motor insurance. So you can quickly find their personal best car insurance when changing car insurance.

Here you can find tips and more information about car insurance. >

Christian Hafler

editorial staff


More news about car insurance

# Question of the week: What do motorists have to pay attention to with Dashcam videos? # Question of the week: What to do about a downgrade of the car insurance? # Change of the motor insurance thanks to special termination now still possible 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?

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ZDF WISO on old-age provision: close pension gap, enjoy retirement

Monday, 12.09.16 , written by Anja Schlicht ZDF WISO focuses in the current program on the private pension. Whether Riester pension, fund savings plan, occupational pension or own property: There are many ways to prepare for retirement. Which ones are best, however, is difficult to say. Rather, it is important to know your own pension gap and to act depending on your own wishes. >

ZDF WISO erklärt: So die Rentenlücke am besten schließen

ZDF WISO gives important tips on private pension provision

ZDF WISO is currently dedicating itself entirely to private old-age pensions, does the pension check and shows how viewers can close the pension gap. Without adequate precautions, most citizens will have to cut back on their old age . Because the falling pension level, employees receive less and less statutory pension . Only very few will be able to maintain their standard of living for this reason. Private provision is therefore necessary. But how much money should consumers put aside for old age? And what options are open to you? ZDF WISO tries to give answers.

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ZDF WISO with tips in the jungle of private pensions

The magazine repeatedly points out in the current issue on private pensions that interested parties should seek advice from an expert in any case. After all, personal best retirement provision depends on various factors such as income, willingness to take risks, family situation and entitlement to state subsidies. The one universal universal pension form does not exist. Consumers have to choose from the variety of offers their appropriate option. This is usually only possible with the assistance of a specialist.

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ZDF WISO Rentencheck: Identify pension gap early and close

Everyone plans their retirement differently. Some people can do it with little money, others need more. To find out how big the gap between need and statutory pension is, consumers are confronting their expected spending on old age , such as rent, possible loan installments, food costs, and planned travel, with their revenues . For many, the income will only consist of the statutory pension, the amount of which the annual pension information provides information. Even a pension appraiser can give a rough overview of how high the old age allowance will be.

Occupational pension: saving with the boss

Even those who have little money left at the end of the month can take care of their private retirement savings. ZDF WISO presents four ways, some of which can be realized with 50 euros per month. So with the company pension plan there is the possibility to provide together with the employer. Since contributions are deducted directly from gross income , employees pay less taxes . However, occupational retirement provision also has disadvantages. Not only are the full care and health insurance premiums due on the disbursed occupational pension. In addition, insured persons pay less into the pension fund as a result of the reduced income, which in turn reduces pension entitlements.

ZDF WISO to the Riester pension: Save with state funding

Another option for private pension is the Riester pension. Here, savers benefit above all from state subsidies . These are € 154 per year for insured persons and between € 185 and € 300 for every child entitled to child benefit. In order to receive full support, it is important to have at least four percent of the previous year’s gross income (including allowances) flow into the contract.

Interested parties should pay attention to the cost of the Riester pension . Because these are at the expense of the return. Which providers are recommended, shows a look at the Riester pension calculator. The higher the guaranteed pension for the classic tariffs, the lower the costs that the insurer collects.

Fund savings plan and home: saving with stocks and concrete gold

Also interesting are fund savings plans. Here, savers put on the stock market . They can also access the capital before the pension begins. However, consumers need “a bit of courage to get involved in the risk and to withstand market fluctuations, ” said ZDF WISO. Which fund savings plans are highly profitable, among other things Stiftung Warentest examined. However, since this test is already two years old, it is advisable to get several offers and to get individual advice.

Last ZDF WISO is on real estate as a private pension. Above all, the low construction rates make it possible to implement the dream of home cheap. According to Interhyp, the current interest rate on ten-year mortgage lending is just over 1.20 percent. For comparison: Five years ago, the interest rate was around 3.5 percent. The more equity future borrowers bring into real estate financing, the cheaper the loan.

Here you will find tips and further information on old-age provision. >

Anja Schlicht

editorial staff

More news about retirement

# Rürup, Riester and Co .: Which private retirement provision makes sense? # Problems with the occupational pension: Soon less money for the insured? # The three main points of the basic pension: height, entitlement, introduction 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?

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