There are several factors that can help you get a more favorable tariff.
With the no-claims class (Schadenfreiheitsklasse/SF) you receive a no-claims discount (Schadenfreiheitsrabatt), which increases with every claim-free insurance year.
In addition, there are several other discounts available that are influenced by factors such as: your job, the number of vehicles you own, and whether or not you park your car on the street or in the garage – just to name a few.
If you pay your premium on a yearly or bi-yearly basis (instead of monthly), you may also receive a discount.
Depending on the type of insurance, you can choose different excesses that affect the price of your premiums further.