Hello to each other, I am a student and therefore do not have all too much money available. My vehicle is an Opel Corsa B Bj. 1995 44KW liability insured vehicle runs on my brother I am a passenger 22 1/2 At the moment I am with Generali at my local veteran and I have at least 500 Euro at any time sent me a few offers. But I do not know if a direct insurance and which insurance My AWD consultant had me calculate the following insurances and as ZURICH IDEAL (100 million*) 263.59ZURICH OPTIMAL (100 million*) 283.31ALLIANZ 24 (D) (100 million*) 285.31 (This tariff appears to be with a protection letter) and the following offers I obtained directly from insurance offices, i.e. from representativesAlliance: EUR 339,82 Motor liability insurance EUR 100 million coverage, whereby the service for personal injury is limited to EUR 8 million per injured person and the environmental damage coverage to EUR 5 million per case of damage and EUR 10 million per year Car protection letter Security and service around the clock in case of breakdown, accident and other emergencies throughout Europe when travelling with the insured vehicle Generali 347.30 (improved offer previous insurance): comfort protection 100 million EUR coverage, whereby the performance in case of personal injury on 8 rest I now do not know exactly what is still there as standart. Now the question, how important is a protection letter and which insurance is best in comparison here and to which would you advise me en!?!? I’ve never taken out a direct insurance company like Allianz24 and I don’t know anything about Zurich. Can only say one more thing, if there was something, my AWD supervisor would do everything for me, in the case of the first 3 insurance companies. Hope you understood everything and can help me hopefully.