As a professional insurance agent in Germany with over a decade of experience, I’ve worked closely with both dominant and niche firms. Among them, HUK‑Coburg stands out as one of the best German insurance firms due to its size, performance, and strong reputation, especially in the motor insurance sector. In this detailed review, we’ll explore … Read more
A new push to overhaul how auto insurance premiums are calculated in the United States is gaining momentum. This week, the Prohibit Auto Insurance Discrimination (PAID) Act was reintroduced in the U.S. House of Representatives, targeting what many say are unfair and discriminatory pricing practices in the car insurance industry. The bill, championed by Representatives … Read more
What is the best car insurance for drivers with a DUI in California? Are there interesting facts about car insurance in California that you need to know? Why are these car insurance providers offering premiums to drivers with a DUI considered a delight? When you are caught by the police or CCTV camera for driving … Read more
Australian electric vehicle (EV) owners are still paying more for car insurance than drivers of hybrid vehicles, according to new research by Compare the Market. The study, released in March 2025, found that battery-electric vehicles (BEVs) cost an average of $2,134 per year to insure, while hybrid or plug-in hybrid electric vehicles (HEVs/PHEVs) average $1,650. … Read more
Many of our readers have asked what the impact of the feud between President Trump and Elon Musk will have on the insurance market. We are here to respond to that. The discord began when Elon Musk criticized President Trump’s “Big, Beautiful Bill,” a tax and spending proposal that, among other things, aimed to eliminate … Read more
Car insurance frauds have evolved in Germany. From minor exaggerations in claims to organized crime rings staging accidents, fraud is a growing issue in the German car insurance market. While the majority of policyholders are honest, the minority committing fraud create significant consequences for everyone, including higher premiums and stricter policies. In this comprehensive article, … Read more
If you’re an expat or a native resident trying to understand the car insurance market before choosing a provider in Germany, you’re not alone. Choosing the right car insurance provider in Germany goes beyond just looking at premium costs. There are several vital factors that should guide your decision. In this blog post, I’ll walk … Read more
Choosing the right car insurance policy in Germany can feel like navigating a maze, especially for expats unfamiliar with the system. One term you might come across is “garage binding” (Werkstattbindung). As a licensed car insurance agent in Germany with over 10 years of experience working with top insurance providers and a wide array of … Read more
Choosing the right deductible is one of the smartest decisions you can make to reduce your premium without compromising essential protection. Yet, many drivers—both German natives and newcomers—aren’t fully clear on how their car insurance deductible works or how much they should expect to pay. In this blog post, I’ll break down everything you need … Read more
One of the most frequently asked questions I receive is: “Is vehicle tax included in German car insurance?” The short answer is no. However, understanding why this is the case and what each cost covers is essential for every car owner in Germany. Whether you are a long-term resident or new to the country, understanding … Read more