Car insurance: In old age it can be expensive

The car insurance is a not insignificant item within the auto budget. Above all, two groups among the vehicle holders are asked with particularly high contributions to the cash register: on the one hand between 18 and 25 years and especially the young men. And on the other seniors.

High surcharges

At age, statistically rises the accident risk, says Wolfgang-Schütz, Managing Director of the Comparison Portal Verizon. This leads to the fact that insurance companies estimate higher costs from which higher contributions result. From a current evaluation of the portal, it is clear that an 80-year-old is average 97 percent more paying for the fully comprehensive than a 50-year-old. Liability is even 127 percent more expensive.

defuse through experience

In practice, however, the situation is somewhat friendlier. Because the seniors experienced in road traffic can often defuse the contribution situation. Thus, the driving performance of a more than 80-year-old is only 7300 kilometers a year, which are 5000 kilometers less than a 50- to 54-year-old. In addition, older motorists are usually classified in a better damage class. In the Ü80 drivers, it is average seven classes above the 50- to 54-year-olds. At the seniors, the senior citizens in this context that ever higher claims-free classes establish themselves. While only a few years ago, only up to 35 no-time years of damage were recognized, it is now 50 years, sometimes even more.

However, a significant increase in costs threatens, if older drivers or drivers cause an accident. In the associated decrease in more expensive classes, the old-age surcharge proposes full, says Wolfgang Schultz. The same can happen if a new car is allowed in old age.

tariff comparison as deadline

The senior premiums of the car insurers differ greatly. In the case of the 80-year-old model driver fluctuations between 43 and 143 percent are to be determined. So it is worthwhile to carry out a tariff comparison — especially in the run-up to the reporting date 30 November, to which most insurance contracts can be terminated.