Since 1994 the duty for the German insurers to file contracts by the supervisory authority was abolished. In automobile-, health- and life insurance the firms are now able to calculate tariffs without any restrictions. Especially in the motor vehicle insurance many insurers introduce their own rating systems. Practical experts fear that individuals are unable to find their best insurer. This paper analyzes what it means to choose the appropriate insurer. Secondly, I used this concept in an experiment with students who had to decide between 16 firms. Finally, I employed a Logit-model to evaluate the determinants of the appropriate decisions.