Huhu I have already mentioned my preferred car, which I do not own at this time An Audi A4 (B5) 1.8T. In car insurance comparisons via aspect-online.de he gave me the WGV Optimal as the cheapest insurance, then the Admiral Direkt. In another insurance comparison the Admiral Direkt came out as the cheapest provider, but with almost the same information about 100€ more expensive per year than the offer at aspect-online. As Schreddi said so nicely: Quotation: Original written by Schreddi Now briefly to my situation: 18 years young, participant in BF17, driving licence since May 2009. Currently I am still living with my parents near Nuremberg. From September I will move to NRW in the course of a dual studies to study there, while the practical phases are in Erlangen. 1. Now I wonder if the advantages, which has a “normal” insurance against a direct insurance, especially the contact person on site, still count the same, if I am anyway in NRW and sometimes in Bavaria. Suppose I have a damage case in NRW, but the contact person is from Nuremberg, what is then? 2. Are direct insurances generally recommended to novice drivers? Even after Google search I am not optimally sure whether this is a direct insurance company or not, I just take it strongly. I hope e, you can give me some tips and advice (: Greeting Steffen