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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
    
    <!-- Homepage - Highest Priority -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>daily</changefreq>
        <priority>1.0</priority>
        <xhtml:link rel="alternate" hreflang="sr" href="https://uporedivanjeosiguranja.com/" />
        <xhtml:link rel="alternate" hreflang="en" href="https://uporedivanjeosiguranja.com/?lang=en" />
    </url>
    
    <!-- Main Insurance Pages -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/auto-osiguranje</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
        <xhtml:link rel="alternate" hreflang="sr" href="https://uporedivanjeosiguranja.com/auto-osiguranje" />
        <xhtml:link rel="alternate" hreflang="en" href="https://uporedivanjeosiguranja.com/auto-osiguranje?lang=en" />
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/zdravstveno-osiguranje</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
        <xhtml:link rel="alternate" hreflang="sr" href="https://uporedivanjeosiguranja.com/zdravstveno-osiguranje" />
        <xhtml:link rel="alternate" hreflang="en" href="https://uporedivanjeosiguranja.com/zdravstveno-osiguranje?lang=en" />
    </url>

    <url>
        <loc>https://uporedivanjeosiguranja.com/travel_insurance</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
        <xhtml:link rel="alternate" hreflang="sr" href="https://uporedivanjeosiguranja.com/travel_insurance" />
        <xhtml:link rel="alternate" hreflang="en" href="https://uporedivanjeosiguranja.com/travel_insurance?lang=en" />
    </url>
    
    <!-- SEO Content Pages -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/vodic-za-osiguranje</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Location-Based Pages for Local SEO -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/osiguranje-beograd</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/osiguranje-novi-sad</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/osiguranje-nis</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- Company Comparison Pages -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/dunav-osiguranje-cene</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/generali-osiguranje-cene</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/wiener-osiguranje-cene</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Calculator and Tools Pages -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/kalkulator-auto-osiguranja</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/kalkulator-zdravstvenog-osiguranja</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- News and Articles -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/novosti-osiguranje</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>daily</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- About and Contact -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/o-nama</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/kontakt</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Legal Pages -->
    <url>
        <loc>https://uporedivanjeosiguranja.com/uslovi-koriscenja</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    
    <url>
        <loc>https://uporedivanjeosiguranja.com/privatnost</loc>
        <lastmod>2026-04-03</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

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