11/4/2025

What is the most important thing for car insurance?

As a car owner, you know how crucial a good car insurance policy is. But what is truly the most important factor when choosing one? Is it the price, the coverage, or maybe the service when you need to file a claim?

From experience, we can say: the most important thing is that your car insurance matches your personal situation. A cheap policy might seem attractive, but if you end up with high costs after an accident because your coverage was insufficient, it’s not really a good deal. That’s why it’s essential to think ahead about what you really need.

 

What should you consider?

  1. Coverage level: Driving an older car? A basic liability (WA) insurance might be enough. But if you have a new or expensive car, a more comprehensive (WA+ or All-risk) policy is usually better.
  1. Deductible: A higher deductible means a lower premium, but are you prepared to pay more out-of-pocket in case of damage?
  1. Extras  and service: How quickly are claims handled? Do you get a replacement car? These aspects can make a big difference when the time comes.
  1. Your personal situation: Do you drive a lot? Do you park on the street or in a garage? These factors influence which insurance suits you best.

 

Car insurance is not a ‘one size fits all’ product. Take the time to choose what really fits you and your car. A well-thought-out decision will save you money and stress in the long run!

 

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