Switch Car Insurance Without Deregistration 2025: Save Up to €850
November 2025: Car Insurance Switching Season Begins
The November 30, 2025 is the most important deadline for drivers in Germany. On this day, the cancellation period for most car insurance policies ends. But many policyholders don't know: You can switch your insurance without deregistering and re-registering your vehicle!
Why Switch Now? The 2025 Price Explosion
Car insurance premiums have increased by an average of 18-25% in 2025. The reasons:
- Inflation adjustment: Increased repair costs due to inflation
- Higher claim amounts: More electronic components in modern vehicles
- Weather catastrophes: Increase in hail damage and flooding
- Electric cars: Expensive battery repairs drive up total costs
An average driver pays up to €850 more in 2025 than the previous year - if they don't switch!
Myth Debunked: Switching Without Deregistration
The good news: You do NOT need to deregister and re-register your vehicle at the registration office to switch insurance. This widespread misconception costs many Germans money.
How the Simple Switch Works:
- Compare new rates online - Use free comparison portals
- Sign new contract - The new insurer handles everything
- Cancel old insurance - Usually done automatically by new insurer
- Receive eVB number - Electronic insurance confirmation via email
- Done! - No need to visit the registration office
Important Deadlines for November 2025
| Date | Meaning | Action |
|---|---|---|
| By November 30 | Cancellation deadline | Cancellation must reach insurer |
| January 1, 2026 | New insurance coverage | New insurance starts automatically |
| Premium increase | Special cancellation right | Cancel within 1 month of notification |
| After claim | Extraordinary cancellation right | Both sides can cancel |
Massive Savings Potential Through Comparison
Our analysis of over 10,000 rate comparisons shows:
- Average savings: €427 per year
- Maximum savings: Up to €850 with same coverage
- 54% of drivers have switched in the last 5 years
- Only 20 minutes average switching time
The 7 Best Savings Tips for 2025
1. Choose Deductible Intelligently
A deductible of €300 for partial coverage and €500 for comprehensive reduces your premium by up to 25%.
2. Choose Annual Payment
Save 5-10% through annual prepayment instead of monthly installments.
3. Report Mileage Realistically
Too high estimates cost money! Low-mileage drivers under 8,000 km/year get up to 30% discount.
4. Accept Workshop Binding
Agree to partner workshops? Additional 15-20% savings possible.
5. Restrict Driver Circle
Only you and your partner driving? Up to 25% cheaper than "any driver".
6. Use Garage or Carport
Protected parking brings 5-15% discount with many insurers.
7. Check Telematics Rate
Careful drivers save with telematics box up to 30% of premium.
Special Cancellation Right: Your Weapon Against Price Increases
Important: If your insurer raises premiums, you have a special cancellation right!
- Cancellation period: 1 month after receiving premium adjustment
- Also applies to contract changes or after claim settlement
- Allows switching outside regular deadlines
Warning: Avoid These Mistakes
❌ Late cancellation: Cancellation must reach insurer by Nov 30!
❌ Underinsurance: Ensure adequate coverage (min. €100 million)
❌ Forget bonus: Transfer no-claims bonus when switching!
❌ Ignore fine print: Check exclusions carefully
November Promotion: Insurers Attract with Discounts
Many insurers offer special switching premiums in November 2025:
- New customer bonuses up to €75
- First premium 50% reduced with some providers
- Free additional services (protection letter, Mallorca policy)
Digitalization Makes Switching Even Easier
In 2025, insurance switching is 100% digital possible:
- ✅ Online comparison in 5 minutes
- ✅ Digital signature via email
- ✅ eVB number via SMS/email
- ✅ Automatic cancellation by new insurer
- ✅ No paper documents necessary
Conclusion: Act Now and Save €850!
November 2025 offers the perfect opportunity for an insurance switch. With our free comparison calculator, find the optimal rate in minutes - no deregistration, no stress, with maximum savings.
Important: Don't wait until November 30! The earlier you compare, the more time you have for decision and cancellation period.