inLog · 2026-10-27
How to compare insurance quotes
Two quotes can show the same premium and still cover very different things. That is why we start the comparison from the cover, not the price. Below is a simple order you can apply to any type of insurance.
1. Scope: what does it cover and what not?
What a quote leaves out matters as much as what it includes. Read the list of exclusions; some quotes look cheap because they leave an important risk out. For example, glass, natural disasters or a replacement car in kasko, or outpatient care, maternity and existing conditions in health, can differ between quotes.
2. Limits: up to how much will it pay?
Every cover has an upper limit. When comparing a low-limit and a high-limit quote, make sure you are looking at the same lines. The limit decides whether it will be enough if your loss turns out to be large.
3. Deductible and co-payment
A deductible means you pay the first part of a loss; a co-payment is the share you pay on each treatment. Both lower the premium but raise what you pay out of pocket when a claim happens. Judge these two by working out what you would pay in a likely claim.
4. Waiting periods and conditions
Some covers do not start until a set time after the policy begins. In health, maternity or certain treatments, and in life insurance some situations, can have waiting periods. If you have an urgent need, this can change your decision.
5. Service network and claims experience
The contracted hospital, repair and service network, how easy the insurer is to reach in a claim and how fast it pays decide the real value of a policy. This is not written in quotes; it comes from experience. Here we share what we have learned from working with the insurers.
6. Premium: the last thing to look at
Looking at the premium after scope, limits and conditions are clear stops you drifting toward a quote that is cheap but incomplete. The difference between two quotes with the same cover is the difference that actually makes the decision meaningful.
Example: two kasko quotes
Say quote A has a premium of 100 and quote B of 85. B may have a high deductible, no glass or replacement car and a narrow repair network. After a small glass claim you pay the whole cost under B, while A covers it. The yearly difference is 15 units, and one claim can exceed it.
Comparison checklist
- Scope and exclusions
- Cover limits
- Deductible and co-payment
- Waiting periods
- Contracted network and claims process
- Premium
Send us the quotes or tell us what you need and we will put the offers of different insurers side by side in one table, in plain language, explaining clearly why one stands out and what each one leaves out.
Frequently asked questions
Why do two quotes with the same cover have different premiums?
Insurers differ in risk assessment, deductible, hospital or service network and claims policy. The price gap often reflects differences in these items.
What should I look at first when comparing quotes?
We suggest scope and exclusions first, then limits, deductible and waiting periods, and the premium last.
What is a deductible, and is a lower one always better?
A deductible means you pay the first part of a claim. A lower one reduces your out-of-pocket cost in a claim but raises the premium; the balance should fit your needs.
Why is the cheapest quote not always the best?
A low premium sometimes comes from leaving out an important cover or from a high deductible. At claim time that difference can be costly.
Do quotes have a validity period?
Quotes are usually valid for a limited time; the period and price vary by insurer. Check the date of the quote when you decide.