How to save over 350CHF on car insurance

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I decided to check all my recurring expenses and see if I could save something on at least some of them. Turns out I can! I was able to change my car insurance to save over 350 CHF per year on it.

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 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 an insurance advisor (free!) to check the fees for me. But it seems that even if this is 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.  Now, I cannot change my insurance 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 moving often. Thus, it’s often a good idea to change, even if it’s a bit a pain in the ass to change the insurance. Also, don’t forget that even if you need complete insurance when your car is new, you may not need it forever.

I’m quite happy about this, this is about 30 CHF per month saved next year!

What about you ? Do you have any saving tip ? How did you manage to save on your car insurance ?

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