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I switched to “Direct Assurance” for my car insurance and divided the cost by two: 875 —> 434 Euros / year. I also chose to pay it all at once (-34 Euros bonus). I have optimized all my “secondary” expenses:

• Internet/TV/phone (+ free basic phone SIM card): 2 Euros / month
• Mobile phone (4G + 50 Gb): 4 Euros / month
• Car Insurance: 36 Euros / month

And my “primary expenses”:

• Electricty: 21 Euros / month
• Gaz: 50 Euros / month

Total: 113 Euros / month

I did not decrease the quality of these services. Most people would pay much more for the same service!

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