Insurance
Ask your insurer for a new quote
Insurance renews by itself every year, so the price easily goes unchecked. Below are a 20-year-old's car and home insurance prices before and after one phone call. Anyone with insurance can ask for a quote.
How to ask for quotesPrices before and after
The driver, the car and the flat stayed the same, and only the insurance company changed.
- 20 years old
- Lives alone in a rental
- 70% motor liability bonus
- Partial comprehensive cover
€99.73
less per year · −11%
€908.48 → €808.75 €/year
| Policy | Before, €/year | After, €/year | Saving |
|---|---|---|---|
| Car insurance (liability + partial comprehensive) | €786.48 | €699.34 | €87.14 |
| Home insurance | €122.00 | €109.41 | €12.59 |
| Total | €908.48 | €808.75 | €99.73 |
Try it with your own numbers
Enter what you pay for insurance per year. The calculator shows what the same relative saving would mean for you.
If the price dropped 11%, as in the example
- 1 year
- €99
- 3 years
- €296
- 5 years
- €494
The figure is an estimate. Your price may drop by more or less, or stay where it is, and you only find out from a quote.
Try the same agent
The quotes in the example came from an insurance agent at OP Pohjola. You can call him and ask for a quote on your own policies. A quote commits you to nothing, and it is still worth comparing with at least one other company.
This is the site author's own recommendation. The site receives nothing for referrals.
How to ask for quotes
- 1
Dig out your current policies
Check the yearly price, the deductible and what the policy covers, because you need these to compare.
- 2
Ask two or three companies for a quote
You can get a quote online or by phone, and it commits you to nothing. Mention your bonus, your age and your current price.
- 3
Compare like with like
The cheapest is not the best if the deductible is higher or less is covered. Ask for the same deductible and the same level of cover.
- 4
Ask about discounts
Many companies give a discount when you bundle several policies, belong to a union or bank with them. If you are a student, ask about a student discount too. Discounts are not always offered unless you ask.
- 5
Tell your current company
Your current insurer may match the quote. If you switch, the new company usually handles cancelling the old policy for you.
Which policies people usually need
Home insurance
Many rental contracts require it. It covers your belongings and usually includes liability insurance, which pays for things like water damage you cause to the flat.
Motor liability insurance
Motor liability insurance is compulsory for every car used on the road, and it covers damage you cause to others. Your bonus grows with claim-free years.
Comprehensive cover
Comprehensive cover is voluntary. Partial cover typically includes theft, fire and glass damage, and full cover also includes collision damage to your own car. The contents vary by company.
Opiskelijaedut does not sell or broker insurance, receives nothing from insurers or their agents and does not give insurance advice. Always check the terms with the insurance company.