Cutting my car insurance bill in half—didn’t think it was possible here
I hear you on the loyalty thing. I’ve had a few tickets and a fender bender, so my rates were always sky-high. For a while, I figured there was no point shopping around—who else would take me? Turns out, that’s exactly what they want you to think.
Here’s what worked for me: First, I pulled my driving record (just to see what the damage was). Then, I made a list of every insurer I could find—even those ones that only advertise at 2am. I called or used their online quote tools, even if it felt like a waste of time. The difference was wild. Some were double what I pay now, but a couple were way less than my old company.
Final step: I called my current insurer with the lowest quote I found. Suddenly, they “discovered” discounts for stuff like defensive driving and bundling with renters insurance... funny how that happens. Ended up switching anyway because I don’t trust them not to jack it up again.
It’s definitely a hassle, but honestly, being the squeaky wheel paid off.
