I’m trying to trim expenses, and car insurance is one of the sneaky ones that can be way higher than it needs to be. The hard part is figuring out what’s actually a “bad deal” versus just your state/driver profile being expensive. How do you all shop it without accidentally comparing different coverage? Do you just copy your declarations page and make every quote match it exactly? I’ve been using Save Max Auto to do quick side-by-side checks, but I’m curious what other frugal strategies actually work long term.
Frugal question: how do you avoid getting ripped off on car insurance?
byu/Left_Opportunity6597 inFrugal
Posted by Left_Opportunity6597
2 Comments
Part 1) Have a broker do the shopping for you.
Part 2) You can also call up a few big name insurers with those quotes, once you have them (say OK, let me think about it and get back to you) and ask if they can beat the rate.
Maybe part 2 is considered shitty or unethical, but it’s legal and totally an option.
Also, insurance is just expensive these days. Do not expect to find an actual “good deal.”
I think critically about each item on the declarations page but yes, that’s the best check that you’re comparing apples to apples in price comparison.