Hey Reader,

Someone DM'ed me on Instagram a while ago and I wanted to share his win with you.

Let's call him John.

Basically, John got the same car insurance coverage for $102 less per month. He’s saving $1,224 a year, all because he spent a few minutes following my advice and checking other offers.

​See how much you could save (it’s free and takes a few minutes.)

Car insurance is one of those bills we kinda ignore cause we think it's all the same.

… Except it's not.

Car insurance companies determine your rate using complicated formulas based on the information you gave them when you originally signed up.

Every insurer weighs that information differently. One might care more about your ZIP code, another about your specific car, and another about your job.

That’s how the same driver asking for the same coverage can get quotes that are hundreds of dollars apart.

And unfortunately staying with one company doesn’t guarantee you're getting the best price. FYI... there's no such thing as “Most Loyal Customer” benefits here.

It also means the only way to know whether your price is good is to see what other companies would offer you today.

So here's exactly what I do to save money on my car insurance:

1. Refresh yourself on your current price and policy

Open the boring policy page (that nobody actually wants to read) and check your price, coverage limits, and deductibles.

Basically, you need to know that a new offer BEATS your current offer.

2. Run one free comparison instead of requesting ten separate quotes

​This is the comparison tool that I use. Enter your information once and see offers instead of filling out the same form 8 times and rage-quitting cause its taking too long.

3. Match the coverage before comparing the price

Make sure the coverage is similar to what you have then compare the price.

Use this quick checklist to compare the two offers side by side.

4. Switch if the complete offer makes sense. If it doesn’t, stay where you are

Either you save money, or you just confirmed that your current policy is the best one. You can't go wrong either way.

5. Put a reminder on your calendar for six to twelve months from now

This is pretty straight forward. I would compare at least once a year cause rates and information changes. (I personally check every 6 months, aka my 6-month rule).

​Compare car insurance quotes (It’s free, takes a few minutes, and you keep your current policy unless you decide to switch.)

HOWEVER... keep this in mind before you think this is too good to be true.

John saved a lot more than most people.

​Consumer Reports’ 2024 auto-insurance survey found that people who switched insurers reported median annual savings of $461.

Some save a lot more (like John), but it depends on your ZIP code, driving record, vehicle, and coverage.

One thing to be careful about: Don't cancel your old policy before the new one is active.

Confirm the new policy’s effective date before touching the old one. Overlap them by a day if needed.

A coverage gap can leave you uninsured and may make future coverage more expensive, which is super annoying.

Go and see how much you could save: compare my rate.

Let's build,

Vincent

P.S. Reply and tell me what car insurance offers you’re getting. Worst case scenario, you find out you already have a good deal. Best case, you save a bunch of money like John.

P.P.S. Also thank you John for sharing your story with me :).