Change insurance when possible? (unsatisfied with the price and service)

Hi guys, my insurance (Itzehoer) is slowly getting me ready… After a little parking jumper that I had regulated myself last year I reported the whole thing including that the damage is regulated. Now in December came the reclassification. Before 85% SF1/2 59,07 EUR Then 120% SF0 107,08 per month “on January 1st the contribution is due for January 2014” “The monthly contribution is debited on the 1st of a month, starting with the 01.02.2014” HÄH ? First time complains why 120% ….. Answer first: Yes, that could be what comes to me: What is there to come after all everything has been regulated I told everything immediately Insurance: Oh true, the colleague probably overlooked that, they will get the recalculation next week. 2 weeks later…. I: Where is the said recalculation? Insurance: This is only possible from 2.1 onwards the system is blocked We can now no longer make any changes, they will receive the new calculation on 2.1 ….. 6.1.2014 I: Yes, where is the recalculation? Insurance: This was created on 3.1, SF1 75% 7.1.2014 Derecognition of the complete sum after error calculation MIR REICHTS LANGSAM Insurance start was 18.10.2012 Expiration 31.12.2013 The contract is valid if the insurance term is 1 year and it is extended by one year each If it is less than 1 year it ends without having to be terminated. 18.10.12-31.12.13 is not a year but 1 year and 2 months… Is my first car insurance, I can only apply for the new one and then the old one if the new one agrees, or does the new one take care of the cancellation (as with the telephone contract). Or do you have to cancel first, have a confirmation and then the new searches? Thought on the AXA Online tariff, are about 25.- less per month…