Key points at a glance
This information page is aimed at people living in Stein (roughly 1’429 residents (postal code 9063)), in the canton of Appenzell Ausserrhoden, who want to organise their insurance, tax matters and cover in line with Swiss law. Assur-IA supports households and the self-employed with a clear treatment of "Car insurance" — premiums, deductibles, deductions and responsibilities — without replacing individual tax or legal advice.
In Switzerland some rules are cantonal (tax rates, deductions, allowances), others federal (LAMal, federal law). In Stein, your actual circumstances — renting or owning, employment status, household size, vehicles, cross-border income — therefore shape risk and priorities far more than the postal code. The nearest municipalities — Hundwil (2 km), Teufen (4 km), Schlatt-Haslen (4 km) — each have their own local page as well. The sections below list the key points to check.
Stein at a glance: your local context
Stein, a municipality of roughly 1’429 residents in the canton of Appenzell Ausserrhoden, brings its own local context to "Car insurance". Stein lies in premium region 0 of the canton of Appenzell Ausserrhoden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’429
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9063
- Federal municipality number (BFS): 3005
Car insurance around Stein: compare neighbouring municipalities
Living or working near Stein? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Car insurance in Hundwil — 2.1 km away
- Car insurance in Teufen — 3.9 km away
- Car insurance in Schlatt-Haslen — 4.3 km away
- Car insurance in Waldstatt — 4.8 km away
- Car insurance in Gonten — 5.0 km away
- Car insurance in Herisau — 5.1 km away
- Car insurance in Bühler — 5.8 km away
- Car insurance in Saint-Gall — 6.1 km away
- Car insurance in Gaiserwald — 6.5 km away
- Car insurance in Appenzell — 7.0 km away
Car insurance in Stein: liability, partial and comprehensive cover
Motor third-party liability is compulsory in Switzerland for every registered vehicle — it covers the damage you cause to others. Beyond that, partial casco protects your own vehicle against natural events, theft, glass breakage or marten damage, and comprehensive (full casco) additionally covers self-inflicted collisions. In Stein, your driving profile, annual mileage and parking spot affect how insurers rate the risk.
When comparing, look beyond the premium: deductibles, bonus protection, cover for gross negligence, parking damage and new-value compensation make the difference when a claim arises. Switching provider is usually possible at contract end — and often earlier if the premium rises.
Clarify before switching
- Claims history and no-claims level over recent years.
- Partial or comprehensive casco — depending on the age and value of the vehicle.
- Scope of cover: gross negligence, parking damage, replacement vehicle, driving abroad.
How we work for Stein
Our approach for "Car insurance" in Stein: (1) list your contracts and deadlines in the canton of Appenzell Ausserrhoden; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Stein (practical guidance, not legal advice)
Is "Car insurance" also covered for the area around Stein?
Yes. The neighbouring municipalities of Stein, such as Hundwil (2 km), Teufen (4 km), each have their own page on "Car insurance" — handy when you compare several places to live in the canton of Appenzell Ausserrhoden or a move is coming up.
Does this page replace personal advice in Stein?
No, it is for orientation in Stein. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Appenzell Ausserrhoden.
Can I compare "Car insurance" in Stein with no obligation?
Of course. The starting point is your situation in Stein; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.