The more cost-effective methods for individuals to pay pension insurance are as follows: 1. Buy it as early as possible: If you start buying pension insurance when you are young, you can enjoy a longer payment period and accumulate more pensions.

2. Regular purchase: Regular purchase of pension insurance in fixed amounts can effectively reduce investment risks and enable personal pensions to grow steadily.

3. Choose the right insurance product: Choose a pension insurance product that suits you based on your personal risk tolerance, investment preferences and insurance needs.

4. Pay attention to the reputation and services of the insurance company: Choosing an insurance company with a good reputation and service awareness can better protect your rights and interests.

In addition to the methods mentioned above, you can also consider the following aspects: Understand the coverage and compensation methods of pension insurance products so that you can get adequate protection when needed.

Pay attention to the flexibility of pension insurance products so that they can be adjusted according to individual circumstances when needed.

Understand the fee structure and service charges of pension insurance products so that you can make more informed decisions when purchasing.

To sum up, when purchasing pension insurance, individuals should focus on reducing investment risks, stably growing pensions, and protecting personal rights and interests.

You should choose a pension insurance product that suits you.

Legal basis: Article 12 of the "Social Insurance Law of the People's Republic of China" The employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record them into the basic pension insurance pooling fund.