Factors you can and cannot influence
You cannot change your regional class or your car’s type class, but you can choose your deductible, payment frequency (annual payment is often cheaper), a restricted driver circle and, for comprehensive cover, a workshop-tie tariff (Werkstattbindung). Keep all inputs identical when you compare offers, then change one factor at a time. For your no-claims class see SF class and no-claims discount.
To see what these factors mean for your own car, try our car insurance calculator for Germany: it explains which details insurers ask for and why you receive offers rather than one fixed price.