Switch your car insurance: lower your premium

Switching makes the most sense when your premium has slowly “crept up” even though you didn’t change anything on purpose. In many cases it’s not one single reason — it’s simply that your policy no longer matches your day-to-day reality. To keep the comparison fair, start with a clean baseline: PLZ (where the car is parked overnight), driver, vehicle, and coverage stay the same. Only then can you see whether a quote is truly cheaper — or just looks cheaper because key protection was quietly removed.

With Autoabsichern.de you don’t jump randomly from one offer to the next. You begin with a baseline quote by PLZ, then adjust only one lever per round: deductible, km/year, driver scope, or kasko coverage. That’s the fastest way to balance price and protection — and end up with a choice that still makes sense if you ever need to file a claim.

Switch now — compare in 2 minutes

Enter your PLZ and start the comparison. You’ll get matching options and can fine-tune step by step until the overall package fits. Focus on clear, like-for-like comparison — not just clicking the cheapest price — so you always know what you’re paying for.

Quick check: Use the PLZ where the car is parked overnight, and set km/year realistically. These two inputs often affect your price more than small details.

Car insurance — request a quote

Start with a baseline quote by PLZ, then change only one factor (deductible, km/year, driver scope, kasko).

Home insurance — request a quote

Compare home insurance by PLZ, then adjust coverage amount and deductible in small, controlled steps.

For home insurance, pricing depends heavily on property details (year built, construction type, living area, roof condition, rebuild cost estimate) and regional risk factors. The same rule applies: get a baseline quote first, then change one input at a time — that’s how the comparison stays fair.

Switch car insurance and compare quotes by PLZ

Switch check: does your policy still fit?

Before you switch, do a quick reality check. Many people pay more simply because the policy is “old”: their annual mileage changed, the car is parked somewhere else, they drive less, or different people drive the car now. Those changes are perfect reasons to run a new comparison — because they directly affect the risk profile.

Tip: write down three facts that are true today: km/year, overnight parking location, and who actually drives. That alone usually produces a much more realistic price range — often without cutting coverage.

How to switch without stress: 3 safe steps

1) Compare first, decide second: Start with a baseline quote by PLZ and keep coverage consistent. That way you’re seeing real differences — not “less protection = lower price”.

2) Keep your data accurate: Enter inputs as they are in real life (km/year, drivers, parking). Over-tight settings can create issues later. If you’re unsure, compare two realistic scenarios (e.g., 10,000 vs 12,000 km).

3) Fine-tune instead of cutting: Save first with clean levers like deductible, payment frequency, and driver scope — then re-check whether kasko still fits your situation (older car = often partial cover or liability only).

What usually moves the price the most when switching?

The examples below help you estimate impact. These are common tendencies — your exact results vary by vehicle, no-claims history, and region. The key: adjust one lever and compare immediately.

Lever	Real-world example	Typical direction	Why it matters
Parking / region	Garage vs street, different neighborhood	often noticeable	Theft and claim frequency vary by area.
km/year	12,000 → 9,000 km	often cheaper	Less driving typically means lower overall risk.
Deductible (kasko)	150 € → 300 €	often cheaper	Higher self-share can lower the premium.

Kasko when switching: a quick decision (no jargon)

Switching is a good moment to review kasko pragmatically. Partial cover is commonly used for theft, glass damage, animal collisions, and storm/hail. Full cover often makes sense for newer cars, leasing, or financing. With older cars, a simple check helps: what would a major repair cost — and what is the extra premium?

Practical approach: start the comparison with the kasko level you currently have, then test one step up or down (e.g., full → partial or partial → liability only) without changing other inputs. That gives you a clear decision.

Avoid common switching traps

A frequent mistake is comparing quotes that aren’t truly equivalent (different coverage limits, deductibles, or driver rules). That can make the price look lower, while protection is weaker. Keep the baseline consistent — then change one thing at a time.

Another classic issue is setting driver scope too narrowly (“only me”) even though a partner or family member drives regularly. Stay realistic and save via clean levers: payment frequency, deductible, annual mileage, and parking.

Next step

Start with the car insurance form and get a baseline quote by PLZ. Then optimize step by step — first the big levers (km/year, parking, drivers), then fine-tuning (deductible, kasko). This way you get a plan that fits your budget and still protects you when it matters.