I thought I had a great rate already
From talking to buddies and asking what they were paying, I thought I had a pretty good rate. Honestly when I first searched around for rates I was making the assumption that maybe – if I were lucky – another company might be able to save me $50 a year.
To my surprise, the Geico commercials seemed to have some truth to them. After getting a quote with them (for the same coverages as my old car insurance company) they were able to save me $330 per year on my car insurance. From what I had seen of Geico through the signup process, they appeared to be very promising. But, I don’t think the truth really comes out with insurance companies until you actually have a claim.
My old insurance company
I was with AAA before and I would have been okay paying slightly more than the average for the sake of convenience. I knew my agent well enough that I could email her or call her directly, rather than talking to a random agent, like I would likely have to do with Geico.
For the same amount of coverage $330 was a bit too much to pay for my convenience. To add to that I haven’t had good experiences with AAA anyway, so I figured it was time to make the move.
If you haven’t shopped auto insurance rates in a while, you may be surprised at some of the price variances with car insurance. Some companies rate drivers on different criteria, so you may be able to save a few hundred bucks a year by switching.
Saving another $200 a year on car insurance
Six months later I got an email from my old insurance agent asking me if I would be open to her getting me a new auto insurance quote with a few other insurance companies. Of course, why not? So, she ran it and she seemed to be very excited to tell me that she could get me the exact same coverage for $200 cheaper per year than what I was currently getting with Geico.
My lesson learned
The lesson learned here is that I saved $530/year on my car insurance (keeping the same coverage and limits) over just a 6 month period doing very little work. I didn’t really think I was paying very much, but I am glad I shopped around.
Get Started Now!
If you are interested in getting some online quotes to see how much you can save you can use the ChristianPF Auto Insurance Quotes Page to get started.
Related Article: Can you save on car insurance if you drive less?