Compare: the ideal is to compare prices in different insurance companies, even offering the same benefits, the amount can vary considerably from one to another. There are comparison tools that, by answering a few questions, will calculate the insurance prices of the main companies.
Coverages: Coverages vary depending on the needs of each driver. You have to analyze which ones are really needed. For example, if the vehicle is usually parked in a garage, you could dispense with the theft coverage and opt for a basic third party one. Another assumption would be if the car is used for work, in this case the ideal is to include a replacement vehicle in case of breakdown. Excesses also reduce the insurance premium, this implies that if, for example, you contract a 300 euro franchise, in the event of a claim the insured will be responsible for the expenses incurred up to that limit, in exchange the premium to be paid will be lower. All these assumptions depend on the needs and habits of each driver.
Renewal: vehicle insurance is an annual contract. If you want to change, you have to pay attention to the expiration date to communicate the cancellation and be able to cancel it. If not, it will automatically renew for one more year.
Offers: insurance companies also take out offers and promotions that can make the amount to pay lower. If you have other types of insurance, such as home or life, or even if a family member is already a customer, some insurers launch campaigns with discounts.
Split the payment: companies offer the possibility of splitting the payment on a monthly, quarterly or semi-annual basis so as not to have to pay the entire amount at once.