Why should you optimize your insurance yourself?
Many consumers rely on insurance brokers to find the best coverage. However, brokers often work on commission and don't always have your financial interests at heart. With the right strategy, you can optimize your insurance yourself and save real money.
Step 1: Review existing contracts
The first step to optimizing your insurance is a thorough assessment. Ask yourself:
- What insurance policies do I currently have?
- Which ones are truly necessary?
- Are there cheaper alternatives with the same or better performance?
Step 2: Cancel unnecessary insurance policies
Not every insurance policy is necessary. Check if you have policies that overlap or make little sense. Typical examples of unnecessary insurance policies are:
- Mobile phone or electronics insurance
- Passenger accident insurance
- Credit card insurance
Step 3: Compare offers
Use independent comparison websites to find alternatives. Pay attention to:
- Price-performance ratio
- Customer reviews
- Contract terms and conditions (duration, notice periods)
Step 4: Negotiate yourself
Many insurers are willing to offer better terms if you actively ask. Use cheaper alternative offers or a long customer history as an argument.
Step 5: Use direct insurance policies
Direct insurance companies operate without brokers, thereby saving costs that they can pass on to customers. This often means better prices for the same coverage.
Conclusion: Taking action yourself is worthwhile!
With the right strategy, you can optimize your insurance policies yourself without paying broker commissions. Regular review and comparison are worthwhile – this way you always secure the best rates!