Car Insurance Switch 2025: New Tariffs and Optimal Timing
The switching deadline November 30th is approaching! Discover new tariffs, save up to €500 annually and learn everything about the optimal switching time.
Important Dates 2025: Act Now!
- 🗓️ Cancellation Deadline: November 30th, 2025
- 📋 Special cancellation rights for premium increases
- ⚡ Switch possible from January 1st, 2026
- 💡 Comparison best started in October
2025 brings new opportunities for car insurance holders:Many insurers have fundamentally revised their tariffs and offer more attractive conditions. At the same time, however, premiums are also rising significantly with some providers – all the more reason to compare in time.
⏰Important Dates for Switching 2025
🗓️ Main Cancellation Date
- November 30th, 2025 - Last cancellation day
- September 30th, 2025 - Recommended comparison start
- January 1st, 2026 - New insurance begins
⚡ Special Cancellation Rights
- Premium increase: 4 weeks after notification
- After claim: Cancellation by end of month
- Vehicle change: New car = new opportunities
💡 Pro Tip: Optimal Timeline
Start comparison & research
Get quotes & review
Cancel & conclude
🚗New Tariffs 2025: What Has Changed
Positive Developments
Up to 20% discount for electric vehicles
Driving safety is better rewarded
Hybrid and fuel-efficient cars preferred
Extended service benefits included
Challenges 2025
Average 5-8% higher premiums
More expensive spare parts and workshop costs
More accidents = higher premiums
New classifications in some areas
💰How to Save Up to €500 on Car Insurance
🔍Comparison Strategy
- • At least 5 quotes from different insurers
- • Direct insurers often cheaper than brokers
- • Use online comparison portals
- • Ask for existing customer discounts
⚙️Tariff Optimization
- • Increase deductible (€300 instead of €150)
- • Realistically state mileage
- • Limit driver circle to main users
- • Indicate garage/parking space
💡 Practical Example: The Miller Family Saves €420
Before (old insurance):
- • Premium: €1,250/year
- • Deductible: €150
- • All drivers insured
- • 25,000 km/year stated
After (new insurance):
- • Premium: €830/year (-€420)
- • Deductible: €300
- • Only spouse insured
- • Realistic 15,000 km/year
Free Comparison • Over 300 Tariffs • Save up to €500
📋Switching Checklist: Step by Step
Assessment
- • Check current policy (coverage amounts, additional services)
- • Determine no-claims class
- • Check cancellation periods
Conduct Comparison
- • Online comparison with current data
- • At least 5 different quotes
- • Compare services not just prices
Cancellation & Conclusion
- • Written cancellation by November 30th
- • Conclude new insurance in parallel
- • Insurance confirmation for registration office
🎯Conclusion: Now is the Perfect Time
The car insurance market in 2025 offers both opportunities and challenges.While premiums are partly rising, innovative tariffs and electric car discounts have created attractive savings opportunities for many consumers.
✅ Act now:
- • Start comparison as early as September
- • Contact various insurers
- • Check special cancellation rights
💰 Use savings potential:
- • Up to €500 annually is possible
- • Optimize tariff details
- • Consider new discounts
Start Your Car Insurance Comparison
Compare over 300 tariffs and find the best car insurance for 2025. Free, non-binding and in just 3 minutes.