Full disclosure: 3 cars, 4 people, no accidents or major claims, just 2 tickets 3 years ago and a windshield replacement claim. I finally got around into looking closely at my car insurance policy and could not believe my eyes. 4 years ago I have Geico and switched to the good hands folks for a lower premium which at the time was around $1500. Then fast forward to Nov 2025 and my premium for 6 months was $3600. As I look back at previous renewals it went up $300-400 every 6 months. So I assumed everyone else was the same.
Went back to Geico, they quoted me $2700, I almost pulled the trigger. Then thought, well I may as well ask the other people you know the Emu, Flo, and why not Costco and AAA as well. I was surprised at what I found for 6-month premiums.
Costco $3100
AAA $2900
Liberty $2300
Progressive $1500
Lesson, here is don't ignore the premiums, they will surely go up periodically until you complain, then they will find a way to lower them to keep you as a customer. In my case, I did not even try to have a conversation just went with Progressive.
Switched car insurance after 3 years with one company, and was shocked at how much I was being overcharged.
byu/Vander_chill inpersonalfinance
Posted by Vander_chill
5 Comments
There is no “loyalty bonus”… for you, anyway. We rebid our insurance needs every year and probably switch carriers every other year.
Was with USAA for 12 years and was very happy with them. Then got some quotes. Wound up with Geico with more coverage for 60% less. Now I get quotes every year.
Loyalty is punished. The best way to save money is to jump around. Shop EVERY option EVERY renewal.
just did the same thing a week ago, I had AAA @$1500 for 6mo, now w/ Geico @$575 for 6mo
Good deal for you finding about this. What i ended up doing was getting a quote from someone else and telling them to match it, if not, i would go to a cheaper option… they came back and matched for sure. Im still with progressive and the lower quote was from geico.