My Audi A4 B5 costs me now at SF6 108€ in the quarter. For this I have liability + partial cascade (150€ SB) + 2.50€ Protection letter (towing in workshop etc.) + discount rescuer (which is important to me!) Now I have a buddy who drives according to the premise: Mainly cheap. He changes every year to the cheapest insurance, i.e. check24.de, data His reason: “In car insurance, it must definitely be paid if something happens, so it doesn’t matter where you are.” What do you think about it? I could also pay ~30€ less in the quarter (i.e. 120€/year), but would then be with an absolute noname insurance with online contract management.