Yeah, totally agree about the smaller insurers. Have you checked if any of them offer discounts for bundling policies—like renters or homeowners insurance? Sometimes that's an easy way to shave a bit off your premium. Also, have you tried adjusting your deductible? Raising it just a little could make a noticeable difference in your monthly payments...but only if you're comfortable covering more out-of-pocket in case something happens. Might be worth crunching some numbers to see what makes sense for your situation.
"Raising it just a little could make a noticeable difference in your monthly payments..."
Good tip, but careful not to push it too high. Have you checked if completing a defensive driving course could help lower your premium? Some insurers give decent discounts for that, even if you're high-risk.
I tried the defensive driving thing after my first insurance quote nearly gave me a heart attack (seriously, thought I was gonna have to sell a kidney). Surprisingly, it did help shave off a decent chunk. Also, tweaking the deductible slightly higher worked for me, but yeah...don't go crazy with it. One flat tire on H1 and suddenly you're wishing you'd kept it lower. Lesson learned the hard way, lol.
"One flat tire on H1 and suddenly you're wishing you'd kept it lower. Lesson learned the hard way, lol."
Yeah, learned that one real quick myself. First time getting insurance, I figured I'd just crank up the deductible to save cash—seemed smart at the time. Then a coconut (no joke) cracked my windshield parked near Waikiki... instant regret. Defensive driving course did help though, knocked off more than I expected. Still pricey as hell, but at least I can keep both kidneys for now...
"Then a coconut (no joke) cracked my windshield parked near Waikiki... instant regret."
Coconut damage, huh? Seen that one more times than you'd think—Hawaii problems, right? Curious though, anyone tried bundling home/renters with auto to ease the sting a bit... does it actually help much here?
