I posted this article about 6 months ago when I renewed. Since I am renewing I thought it was a good time to run it again!
I worked in insurance for many years and I am constantly amazed by the amount of people who do not shop their car insurance. They just keep the same policy year after year. By “shopping” your insurance you can save quite a bit of money!
We were with Progressive for 8 years. We did shop every year but never saw a big enough difference to switch, until I tried Geico. I was flabbergasted when I saw the quote. Florida is one of the most expensive states for car insurance. We have high limits (no tickets or accidents) and we were paying $1200 every six months, which is ridiculous!
It turns out that Geico (Government Employee Insurance Company) has a state employee program (hubby works for the state) and through that program we were able to get our premium down to $798 – that is a $800 savings per year!
There are hundreds of companies offering insurance now and each state has different programs. Make sure to check all the affiliations you have (AAA, clubs, etc) as you might be able to get in certain programs because of those affiliations. Progressive is great because they give you several company quotes at the same time. Also consider raising limits (ask your agent) because you can save quite a bit.
I am not trying to push one company or the other, I am simply trying to make you “think” about your car insurance. If you are trying to save money this is one place where you really can save a lot!
Here are a few places you can start…
Progressive
Geico
AIG Direct
Allstate
There are a TON of companies, so make sure to check out several. Another option is that if you have an insurance agent call them and tell them you want several quotes on your car insurance. If you don’t tell them to shop it, they won’t. Don’t forget this will work for your homeowners insurance as well!
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