Car Insurance: How to Lower Your Premium
Have you been driving accident-free for years? If so, you might be paying more in premiums than necessary. By choosing the right excess, you can make your auto insurance significantly cheaper—without sacrificing important coverage.
Why a Higher Excess Makes Sense
- Perfect if you rarely file claims:
Why pay for a high excess that you’ll hardly ever need? - Predictable and fair:
You set your own excess—simpego covers the rest. - Save more, same coverage:
Your insurance remains just as comprehensive; only your share of the cost in the event of a claim increases. - Extra Benefits with Partner garage:
Lower premiums and top-notch services such as a loaner car and a lifetime repair warranty.
👉 Tip: With simpego, you can set your excess to any amount between 0 and CHF 10,000, down to the franc.
Real-Life Example: Here’s How Much You Can Save
| Specifications | Option A (Standard) | Option B (Optimized) |
|---|---|---|
| Profile: 42 years old, 8048 Zurich | ||
| Vehicle: Skoda Kodiaq 2.0 TSI DSG, CHF 41,430 | ||
| Product: simpego XL (custom configured) | ||
| Excesses | All CHF 0 / Collision coverage CHF 200 | Liability CHF 200 / Partial coverage CHF 200 / Collision coverage CHF 1,000 / Parking damage CHF 200 |
| Repairs | Free choice of repair shop | Partner garage |
| Annual premium | CHF 2,095.00 | CHF 1,416.20 |
| Your savings | CHF 678.80 per year | |
Sample calculation; your premium depends on factors such as your place of residence, vehicle, no-claims bonus, and mileage.
Tip: Set aside part of your savings as a rainy-day fund—that way, if something does happen, you’ll have double the peace of mind.
📉 When is a higher excess particularly worthwhile?
- You’ve been driving without any accidents for years.
- Your car is often safely parked in a garage or parking lot.
- You’ll have no trouble covering the selected excess in an emergency.
Less suitable: if you’re on the road a lot, are a new driver, or want to minimize your own risk as much as possible.
🛠️ Partner garage: Save & Benefit
With the partner garage model, you’ll ensure:
- Free loaner car while your vehicle is being repaired
- Pickup and Delivery Service
- Genuine Parts & Manufacturer’s Warranty
- Lifetime Warranty on Repairs
Your Roadmap for the Next Insurance Year
- Check your excess: Adjust it to fit your budget.
- Choose a partner garage: It saves you even more money and makes your life easier.
- Get a quote now: The sooner you switch, the sooner you’ll benefit from your lower premium.
Bottom line: Save more, pay less—and still be just as well protected
By choosing a smart excess, you can lower your auto insurance premium by several hundred francs a year.
Plus, with simpego, you’ll enjoy maximum flexibility and additional benefits at Partner garages.
What are the benefits of this change?
- Same Protection, Lower Costs
- More flexibility in choosing the excess
- Additional Services from Partner Garages
Money-Saving Tip: Pay Only for What You Drive!
With us, you only pay for your car insurance when you actually use your car.
Learn more now