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How can I save money on insurance?

When large sums of money flow from the account to insurances every year, one wonders if it is truly essential. In fact, many people spend more money on insurance than is actually necessary. To prevent this from happening to you, we give you helpful tips on how you can save money on insurance and what you should look out for.

 

Take advantage of discounts on combined insurance policies

If you have several insurances anyway, you should check whether a combination insurance is worthwhile. Often insurance companies offer a generous discount if you take out more than one insurance policy with them. Another bonus is that you don’t have to manage several providers and can manage all your benefits with one contact person. It is best to compare the price of two separate insurance policies with a combined insurance policy and check which is cheaper.

 

Avoid unnecessary insurance

Before you take out an insurance policy, you should consider whether it makes sense for you. Do you really need insurance for glasses, luggage or smartphones? In many cases, the cost of premiums for such “small” insurances does not pay off. A new purchase of the item is sometimes even cheaper than the insurance. In addition, these insurances often do not cover full replacement in case of damage or loss, leaving you with a deductible.

 

You should also make sure that the insurance cover is not already included in other insurance policies. For example, luggage insurance is already included in some household insurance policies.

 

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Choose a longer term

If you take out an insurance policy for several years, you can save a lot of money. The longer the policy, the lower the premiums. A long policy term is worthwhile for household insurance, for example, if there are no major life changes such as moving house or getting married.

 

The payment method also offers great savings potential. Insurance policies are often cheaper if they are paid annually instead of monthly.

 

Update insurance policies regularly

You can save money on insurance by checking it regularly. You should check whether they are still up to date, whether you still need them and whether there is a cheaper one with another provider.

 

First of all, you should make sure that your insurance still fits your life situation. Did you get married, have a child or move house? In these cases, it is very likely that your insurance is no longer up-to-date. For example, if you have moved in with someone who also pays household insurance, one person can cancel this insurance. Or do you have comprehensive insurance even though your car is now 10 years old and has lost value?

 

Also make sure that all insurances are still necessary. Are you still insured against storm damage, even though you no longer live in an area with high winds? Regular checking is a small effort, but it is worth it as you can save a lot of money.

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