When you are looking for insurance in the Czech Republic, it’s easy to feel like you’re paying more than you need to. Everyday drivers, homeowners, and renters alike may find themselves stuck with higher premiums simply because they haven’t done the comparison work. That’s where ePojisteni steps in, offering a lowest price guarantee and helping customers make real savings. According to their claims, around 85 % of customers save when they switch using their service, and the average annual savings amount to approximately 2,100 CZK.
What does the lowest price guarantee really mean?
The concept is straightforward: ePojisteni pledges that the policy you purchase through their platform will be the lowest available in the market among comparable products. If you find a genuinely identical offer (in terms of coverage, vehicle, driver status, etc.) for a lower price elsewhere, they will match or beat that price. For you, as the consumer, this means one less thing to worry about. You can trust that the price you see is competitive and you’re not overpaying. The guarantee reflects a commitment to transparency and also adds peace of mind.
When you consider that 85 % of users reportedly save when using the service, it suggests that many people were either on a higher premium than necessary or simply found offers that hadn’t been visible to them before. The average savings figure of ~2,100 CZK per year gives a tangible benchmark: this is not just marginal amounts, but meaningful cash that could go towards other priorities like holiday, savings, or household bills.
How might you save ~2,100 CZK annually?
It is indeed that the exact savings will vary from person to person because insurance premiums depend on many factors: type of vehicle, driver’s bonus-malus class, age, place of residence, driving history, engine size, etc. But if you take the average figure as a realistic ballpark, it’s a useful target.
Imagine you drive a mid-sized car, you’ve had several years without accidents, and you live in a standard region. Perhaps your current premium is 6,000 CZK a year. If by switching you can reduce that by ~2,100 CZK, you’re getting down to ~3,900 CZK – a ~35% reduction. Even for someone with a lower starting premium, a savings of 1,000-2,000 CZK still makes a difference. Given that 85 % of customers reportedly achieve savings, the odds are strongly in favour of giving it a shot.
Who benefits most from switching via ePojisteni?
While everyone can benefit from checking their insurance, certain profiles tend to gain more:
- Drivers whose current premium is above what the market offers for their profile (perhaps due to inertia or lack of comparison)
- People with good driving history and bonus classes tend to have strong negotiating/leverage when insurers compete
- Owners of vehicles in categories where insurers are aggressively competing (e.g., popular mid-sized cars)
- Residents of regions where premiums tend to be higher, because the potential reduction margin is greater
- Anyone willing to invest a little time up front to compare and switch the savings more than justifies that effort
If you already have an extremely low premium, or your profile is highly premium-rated (new driver, large engine, poor history), your savings may be smaller, but still potentially worthwhile.
Coverage matters: don’t just chase the lowest price
While the lowest price guarantee is a strong promise, it’s critical to ensure the coverage you select meets your needs. A very cheap policy is only good if it delivers the protection you expect. So when comparing, look at things like: what the liability limits are, whether extra drivers are covered, region of coverage, any exclusions or excesses, and how the insurer deals with claims. Remember: premium savings are meaningful, but not if you end up under-insured when an incident occurs.
The value of working with a trusted comparison platform is that they typically summarise the major coverage differences and let you filter by meaningful criteria, so you’re comparing apples with apples. Taking a policy simply on price and neglecting major coverage differences can backfire.
Why do many people remain on higher premiums?
There are several reasons your premium might be higher than the market average. Sometimes customers remain with the same insurer year after year because switching feels like a hassle. Other times, the insurer may automatically renew the policy without highlighting alternatives. Another factor is a lack of awareness. Perhaps you don’t know that competitor insurers are offering lower rates for your profile. Many do not actively seek to compare each year. The result is that you end up paying “last year’s price” when the market moved.
By contrast, a proactive comparison annually (or at renewal) puts you in control. The marketplace is competitive, and insurers want new customers. This competitive pressure is what drives savings. Taking advantage of it is simply smart financial behaviour.
When to re-check your insurance?
Key moments to review your insurance include when your circumstances change: if you move to a different region, buy a new vehicle (or sell the old one), add or remove drivers, improve your bonus class by accident-free years, or change your usage profile (for example, less commuting). Also, even if none of those change, an annual check will be necessary because market rates may shift, new insurers may enter, or new offers may emerge.
Renewal time is ideal. Set a reminder a few weeks ahead of expiry to start the comparison process. That way, you can select the best forthcoming policy without worrying about a lapse in coverage.
Final Thoughts
In summary, using ePojisteni’s lowest price guarantee is a practical, low-effort way to potentially save a meaningful amount on your insurance. With 85% of customers reportedly saving and an average annual saving of ~2,100 CZK, this is not a fringe benefit; it’s a sizable outcome. The key is to ensure you compare not just price but the value of coverage, be open to change, and revisit your insurance annually.
For drivers and homeowners in the Czech Republic looking to optimise their insurance costs without sacrificing protection, this is a strategy well worth adopting. Start the comparison, check your current premium, and see if you can join the majority of customers who are paying less while maintaining peace of mind.
