This year, I’ve checked again the car insurances for my car. Until now, I was with AXA Winterthur. When I got this offer almost 5 years ago, it was the cheapest offer. Unfortunately, it’s the not the case anymore and I didn’t think to check again before this year. I’ve now changed my car insurance to Helvetia. Before, I was paying 668.95 CHF each semester, now I’ll pay only 492.20 per semester, this is 353 CHF savings per year. Once I’ve got a better salary, I’ll also stop paying per semester in order to save 30 CHF each, but for now, it’s a bit too much to pay at once.
For now, my car has still only few kilometers (less than 40K), so I’m still keeping my complete Casco insurance. Next year, I’ll reconsider this. I may also consider increasing my deductible to reduce the fee.
This time, I used a insurance advisor (free) to check the fees for me, but it seems that even if this is much better, this is still not the cheapest possible. Next time, I’ll do the check first online to make sure I’m not getting ripped of. This time, I cannot change insurer for a few years, but I can still change details of my insurance such as deductible and remove some parts of the insurance.
Don’t forget to check if you can save some money by changing insurances. In Switzerland, the prices of the insurances are quite unstable, and therefore it’s often a good idea to change, even if it’s a bit a pain in the ass to change the insurance.
Overall, I’m still quite happy, this is about 30 CHF per month saved next year!