Hello in the round! I plan to change my insurance for a long time. Now I have taken the time and have calculated some tariffs online. I have seen that my current tariff is almost twice as expensive as most calculated rates. All right, there has to be changed, I think. But after looking for the cheapest insurer here in the forum I have been totally confused again. I can’t just change the normal basic rates. What do I have to pay attention to? What are the usual pitfalls, where the insurances save and I pay later on? Does someone know? Another question: I have a 13-year-old golf with corresponding mileage, which runs as economic total damage. Is there still a partial cassock, or can I save it? Greeting, Hendsch