Top Five Tricks Car Insurance Salesmen Use

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Here are the top five tricks I saw car insurance salesmen use to try and get more money out of you. Falling for any one of these tricks could cost you THOUSANDS a year!

Number 1 Trick Car Insurance Salesmen Use: Saying They Found You The Best Rate

The first trick car insurance salesmen use is lying. Car insurance salesmen are under NO OBLIGATION to tell you the truth. They can lie straight to your face and misrepresent the truth with no legal repercussions. This is because they have no fiduciary duty to you. If you hear them say any of the following, LEAVE: “this is the best rate on the market.” “I found you the lowest price.” “With your record, I don’t know if any other company will even take you.”.

Most of the time, these are just lines to trick you into thinking they are working for you. In fact, if they work with multiple companies, they probably will only telling the prices from the companies that pay them the most of your money. Only believe that is it the cheapest rate after you have looked at 10+ quotes from at least 3 different websites or companies.

Car Insurance Salesman Lie
Car Insurance Sales Agents Can Lie To You

Number 2 Trick Car Insurance Salesmen Use: Let’s Start At Higher Coverage And See How Affordable It Is

When I sold auto insurance, I was told to always find them a quote at 100/300/100 coverage. To be clear, if you are a homeowner or have substantial assets, you want AT LEAST 100/300/100. In fact, 250/500/150 is probably where you should start. However, if you are a renter or are uncollectible, you just want the state minimum coverage. This is because once the insurance policy is exhausted, it wouldn’t make sense for them to take you to court.

They can’t take anything away from you if you don’t have much to take. However, the reason insurance salesmen will start with this rate is either to make a higher commission or to make the rate you end up getting seem more affordable than it really is. Makes sure you know your state’s minimum requirements BEFORE you go in and double check what they quoted you.

Number 3 Trick Car Insurance Salesmen Use: You’ll Want Full Coverage

This is another one of the tricks car insurance salesmen use to boost their commissions. Full coverage does make sense when you finance a car, if the car is newer or you live in an area with lots of accidents. Most car loans require full coverage and it probably makes sense if your car is 5 years old or newer. If you total your car and you know it wouldn’t be worth the cost of repairs, skip the full coverage. The law only requires liability coverage (and some states require personal injury). A rule of thumb is that full coverage is roughly twice the price of liability. If your car isn’t expensive to replace, do yourself a favor and save the difference toward the cost of repairs.

Number 4 Trick Car Insurance Salesmen Use: Bundling In Coverages You Don’t Need

Would you like to add renters insurance? Would you like to make sure your house has coverage? Do you have enough life insurance?

Bundling can save you a bundle but only when you need the coverage anyway or it overall lowers the premium. If adding renters insurance lowers the overall cost, add it. If it adds even $1 per month, skip it. Renters Insurance only makes sense if you have several expensive items. Also, there are usually coverage limits on things such as jewelry and electronics. Insurance agents can make more money by having you add a $15 a month renters policy. However, that adds up to an extra $180 a year for something your probably won’t use anyway.

Insurance Salesmen May Not Give You The Coverage You Need
Car Insurance Agents May Give You The Wrong Coverage

Number 5 Trick Car Insurance Salesmen Use: Bundling In Roadside (And NOT Telling You)

I quit my job as an insurance agent and this is the biggest reason why. This trick car insurance salesmen use to make more money. In our agency, we were told to have the customer buy roadside on EVERY policy. To be clear, most car insurance companies include free roadside with every policy and people often have AAA already so they don’t need this. Because most people calling in for car insurance just want insurance, they taught us to not even tell the customer they were getting roadside until after they agreed to a legally binding recorded message. My sales trainer taught me to say things such as: “don’t get confused when the message says this isn’t insurance. It’s just a legal requirement.” Or “try not to fall asleep to this boring message! Just say ‘I agree’ after it ends”. This was allegedly legal but deceitful.

We also couldn’t change the price of insurance but we could sell roadside at a cheaper rate. If we told someone that it would be $300 to get started today ($150 for insurance and $150 for roadside) and they said they didn’t have it, we would put them on hold to talk to “underwriting”. Really, we would just put them on hold for about 30 seconds and the price would magically drop by $25. If that was still too high, we would rinse and repeat until the roadside was half the price. If that was still too high, we either wouldn’t do business with them or we would, sometimes, drop the roadside. They designed this process to squeeze every cent we could out of each customer.

Why Was This So Bad?

This wouldn’t be so bad except that the agency exclusively targeted low-income people. These people were sometimes homeless or trying to get back on their feet after jail, divorce or a DUI. They encouraged us to try and take advantage of the customer’s naiveté by draining their bank account dry. If they didn’t have the money, we would ask when their payday was, who could loan them the money, if we could split up the payment (still not telling them that half of it was roadside assistance) or set them up with liability when their auto loan require full coverage. It made me feel gross and slimy on the inside but most of my coworkers are still using those same tactics everyday.

Be Careful Out There!
Be Careful Out There!

Be Careful Out There!

So there are my top five tricks car insurance salesmen use to take advantage of you. If you want to skip the insurance sales agent all together, try Root Insurance. I love having their insurance! Click Here to read my Top 5 Reasons I think they’re the best car insurance company.

5 Reasons To Change To An Unknown Insurance Company

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Can you trust a car insurance company if you’ve never heard of them before? What happens if you are in an accident? If you’ve never heard of them, will they go out-of-business right as you need them? Here are the top five reasons to change to an unknown insurance company.

The First Reason To Change To An Unknown Insurance Company:

Insurance Companies Have To Cover You. PERIOD.

We’ve all heard of those companies where their prices seem too good to be true. The online scam for a free trip to Paris for two. Or maybe the big screen TV you win if you complete enough surveys. And the eBay seller whose account magically disappears after you click “Buy Now”. All of these experiences make us nervous about trusting a new company. You can rest assured that any legitimate insurance company is so heavily regulated that they can’t be a fly-by-night operation. In order to legally issue insurance, they have to prove they have enough funds to pay out for the coverage they provide. Above that, some states require that all the insurance companies pay into a monthly fund to cover any expenses that one insurance company cannot pay should they somehow fail.

The First Reason To Change To An Unknown Insurance Company: Insurance Companies Have To Cover You. PERIOD.

The Second Reason To Change To An Unknown Insurance Company:

You Don’t Have to Pay for Their Ads

It may seem strange but all companies have to get the money from their ad budgets somewhere. This money either comes from investors, loans, or customers. Every time you see an ad for Geico, Nationwide, The General, Progressive, Allstate or State Farm, just remember that their customers are probably paying for you to see that. Super Bowl ads get more expensive each year and so does your car insurance. Any correlation there?

The Third Reason To Change To An Unknown Insurance Company:

You Get The Same Coverage With Them

Since car insurance is based on the same coverage options, you end up with the same coverage no mater where you go. State Farm’s 50/100/50 coverage is just the same as SafeCo’s. Progressive’s collision coverage covers the same events as Root’s. The only differences are minor features and options. For example, some carriers offer accident forgiveness if you have had them for several years. Progressive will let you have full-coverage insurance with $2,500 deductibles whereas several other carriers only allow $500 or $1,000 deductibles. Some carriers offer Gap coverage on financed cars. Most of these features are overpriced or unnecessary.

The Third Reason To Change To An Unknown Insurance Company: You Get The Same Coverage With Them

The Fourth Reason To Change To An Unknown Insurance Company:

You Support Smaller Businesses and Competitive Rates

If you think about it, the only thing keeps car insurance rates down is competition. There aren’t laws to keep them at a certain price. Since car insurance is a requirement to drive, you have to buy it. Hypothetically, if a car insurance carrier was the only company in your state that could sell you car insurance, they could hike up rates until only the richest people could drive. Could you image paying $1,000 a month on car insurance? I’ve seen rates that high.

When you buy insurance from a smaller insurance company, it keeps them in business. This probably helps the local insurance agent support his or her family but it also makes it so that the larger guys can’t hike up their rates. If Geico, Progressive and State Farm charged you $150 a month but word got out that Root only cost $65, the larger companies will have to be careful before raising their rates to $200 a month for fear of losing customers.

The Fifth Reason To Change To An Unknown Insurance Company:

You End Up Saving A LOT of Money!

When I got car insurance for the first time, I was paying about $175 a month for liability for a 13 year old Ford Focus. When I switched to Root, the cost went down to $62 a month for full coverage with insured and underinsured coverage. That’s saved me $113 a month! What would you do with an extra $1,356 a year? Buy a new TV, have the downpayment on a new car, or make that family vacation last a few extra days. Wouldn’t that be worth a few minutes of your time?

What To Use The Best Insurance Company?

Download The App And Take Root For A Spin!

Read my review here!

Best App For Car Insurance Quotes

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

What is the best app for car insurance quotes? Why should I use an app instead of going into an insurance office? How can an app save me money on car insurance?

What Is An App For Car Insurance Quotes?

There are a couple different types of apps you can use to get a car insurance quote. The traditional apps are basically just rebranded websites in the form of a smartphone app. However, the better set of apps actually base your rate off of the way you drive. The choice is up to you. Would you like to just get a State Farm or Geico Quote? Download their app or use their websites. But if you are a good driver, why not try one of these apps and see if you can get an even lower rate?

Best App For Car Insurance Quotes
What Is The Best App For Car Insurance Quotes?

Traditional Car Insurance App Quotes

These are no different than simply clicking on, or pretty much any other website. Unless your smartphone is your primary internet browsing device, I would recommend not using these apps. They will take up space on your phone, might use some of your limited data for the month, it may take several minutes for them to download, might get in the way of finding apps you are looking for and, more or less, have the same exact utility as the carrier’s website. Just use their website and see what quotes they give you.

The Best Apps For Car Insurance Quotes

These apps are great! If you have a few marks on your driving history or not the best credit report, these apps are probably your best bet at getting a cheap car insurance quote. Even if you have a great driving history, these apps will probably save you a bundle every month. I found that I could get much better coverage at almost 1/3 of the price with Root instead of Allstate. How is this possible?

How Root Insurance Saved Me Money

Root Insurance works by having you install their app and tracking how you drive. They track things like how often you drive, what hours of the day you drive and how you accelerate and decelerate. With this information, they chose which drivers to insure. By being picking about who they approve, they can avoid having to pay out on accidents. This savings allows them to give you great rates and still make money. They also avoid some of the larger expenses that other insurance carriers have. They seem to focus on viral digital marketing instead of television ads, for example. With a focus on keeping costs down, they are usually the cheapest around. When I sold insurance, I checked my insurance rates with several carriers. Being appointed with 11 of them, I got a glimpse into auto insurance quotes most people don’t. I found that they beat all of the carriers I tried. About a year and a half later, I tried again but I couldn’t beat them. Root has some of the best insurance rates. Because they saved me so much money, I believe they are the best app for car insurance quotes.

Root Insurance App Quote
Root Insurance Logo


There you have it! Now you know which apps to download and which to avoid when looking for the best car insurance rate. If you want to learn more about Root Insurance, click here to read my review. It tells you the top five reasons I believe they are the best car insurance company right now. Or, if you would rather just get a quote with them, click this link.

Can Car Insurance Quotes Change Daily?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Did your insurance agent tell you that the rates can change daily? Can Car Insurance Quotes Change Daily? We are going to find out if car insurance quotes can change daily. Read the whole article to find out and start saving money!

What Car Insurance Is Based On?

Car insurance is primarily based on the car you’re insuring, length of clean driving history, the age, gender and marital status of the driver, the driver’s driving record and credit score. The type of car you drives tells the insurance carrier a lot about you. If you are driving a sports car, you probably are more likely to speed. If you drive a VW Beetle, you may not be as likely to have an accident. The value of your car can change your rates too. This is especially true with full coverage insurance. How long you have been a safe driver is a huge part of your car insurance quote changing. If you have a clean history for 5+ years, you’ll pay less for insurance. If you got into an accident yesterday, your rate will go up.

What Is Car insurance is based on?
What insurance is based on

Because you don’t know exactly what the future holds, your driving record could change by tomorrow. I know, it sounds crazy but you never full know what is going to happen. Your age, gender and marital status are some of the primary demographics they use in giving you a quote. These aren’t too likely to change in a day, however. Your credit score may actually change, for better or worse, tomorrow depending on what accounts report. A few extra months of on time payments can keep your rate from going up. But, if your utility bill is late or a bill goes to collections, your rate may go up by the following day.

Be sure to read my article about how to get the lowest possible insurance quotes!

Yes, Car Insurance Quotes Can Change Daily

Car insurance quotes can change all the time. Nothing stops the company from changing rates when you hang up the phone, close the browser window or even before either of those. Usually, the rates actually change based on new information. That new information can be something that comes up when they run your driving record. It could also be new information the insurance company gains about the area where you live. If you think about it, car accidents happen every day. If the insurance company knows that yesterday more accidents occurred in your area than normal, it may predict that this trend will continue. This would indicate that insuring you would be riskier. In order to minimize their risk, they would increase insurance premiums.

Can Car Insurance Quotes Can Change Daily?
Yes, Car Insurance Quotes Can Change Daily

The question then becomes how often do the car insurancecompanies get new information? Since accidents happen everyday, it is save to assume that the larger companies get new information concisely. The information is then crunched by the underwriting department. Therefore, the bigger the company, the more likely it is that the car insurance quote can change daily.

My experiences with changing rates.

Personally, I have found that rates usually stay the same for about a week. After a week or so, it becomes more likely that those rates will go up. That being said, any change on your driving profile can change things immediately. Because there is uncertainty in your car insurance quote, go ahead and get insurance as quickly as you can. If you’re not ready to pay for insurance right now, Root Insurance gives one of the most stable quotes I have ever seen.

How To Save Money On Car Insurance Quotes

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are you trying to save on car insurance quotes? No one wants to pay more than they have to pay for car insurance. Some people don’t know how to shop their rates. If you haven’t checked rates lately, here are some tips on how to save money on car insurance quotes.

How To Save Money On Car Insurance Quotes
How To Save Money On Car Insurance Quotes

What Is A Car Insurance Quote?

A car insurance quote usually starts with an estimation of what your rates would be. From the estimation, you can decide if it is worth having them run your credit score and driving record. After they verify the information you gave them, then they give you an official quote. This quote should be exactly what you pay each month for the length of the insurance term.

So I May Not Pay The Rate I Saw Online?

Unfortunately, a lot of the car insurance quote websites don’t have enough information to give you a fully accurate quote. They may give you a number but that number may change. Insurance isn’t like buying milk. The price isn’t the same for everybody. It is an approve process much like getting a credit card.

Just as you might get a lower interest rate from CapitalOne than I get, I may get a lower quote from Geico than you get. There are multiple factors that decide how much the insurance company will charge you for auto insurance. Although this may seem unfair, the rates are based on the perceived risk of insuring you. The good news is that once you know what drives your rate up, you can change a few things to lower your cost.

What Determines My Car Insurance Quote?

The biggest factors that determine your insurance quote are: the vehicle you are insuring, your zip code, your age, your gender, your marital status, driving history and credit score. I will explore each of these factors in more detail. This will let you know how to get cheaper insurance.

How To Save Money On Car Insurance Quotes With Your Car

The car you drive can make a huge impact on your car insurance rates

The car you drive can make a huge impact on your car insurance rates. This is especially true of full coverage car insurance but affects liability rates too. As you can imagine, an insurance company having to replace a $100,000 brand new BMW is going to be more expensive to insure than a $2,000 15 year old Ford Focus. This means that the BMW would probably cost more to buy and insure. Should this be the only deciding factor in buying a car? No. However, it should be a consideration, especially if you will have a car payment.

In general, older cars are cheaper to insure. They usually use an estimate that is similar to what the Kelly Blue Book value of your used car. Some of the cheapest cars to insure are actually antique cars. I have seen someone who was paying about $100 a month for a normal car insurance rate but it went down to $19 with a policy for an antique T-Bird from the early 1990s. So if you have an old T-Bird, Mustang or Camaro that is in good running order, you may want to consider making it your daily driver.

Hybrids and electric cars are also usually more expensive to insure. This is probably because their batteries can be costly to replace after an accident. Also, they usually require specially trained mechanics to assess damage or make repairs. However, you still might save more money on gas with a hybrid or electric car than your rate goes up.

How Can My Zip Code Help Me Save Money On Car Insurance Quotes?

The number of accidents, stop lights, roundabouts, stop signs and more can change how much car insurance costs. While I highly doubt it would be worth moving to save money on car insurance, it’s something you should factor into relocation costs. If you want to see how much your rates will vary, try looking at insurance estimates (without running your credit score and driving record) both where you currently live and where you are about to move.

Can My Age Affect My Insurance Rates?

Kinda. While, you know how everyone says that your car insurance rates go down after you turn 25? That’s not entirely true. It isn’t about age so much as how long you have had a clean driving record. The exception to this being that younger people, especially teenage boys, are usually more expensive to insure. They do base rates off of how likely someone your age would have an accident.

Generally, assuming you started driving at 16, if you are about 25-65, you will get the best rates based on age. After about 65-75, you will actually start to see your insurance rates increase.

Can My Age Affect My Insurance Rates?

Can My Marital Status Affect My Insurance Rates?

Yes! Married people, especially men, are less likely to get into car accidents. You actually get a discount for being married. Getting a divorce can raise your car insurance rates a bit because you will be considered single again. The good news for divorcees is that they usually are in a better age bracket and have cleaner driving histories than they did before their marriage so their rates might not actually go up at all.

Can My Marital Status Affect My Insurance Rates?

How Does My Driving History Change My Can Insurance Quotes?

Your driving history probably plays the biggest role in determining your car insurance rates. I have seen people with absolutely horrible driving records get unbelievable high rates. I once talked to a man who had several accidents, DUIs and tickets get a quote north of $750 a month for liability! The more accidents you’ve been in, the more likely it is that you will be in another in the near future. The more tickets you have, the higher your rate will be. If you have a DUI, please go and get a lawyer to help you fight it. If you get a ticket, traffic school is probably worth it.

Tickets and moving violations stay on your driving record for 3 years. Accidents and insurance claims stay on your driving record for 5 years. Please tell the agent who is quoting you about everything on your driving record. It is much better for a few things to come down and your rate be lower than you thought than to lie and go through the whole process of getting a quote for the rate to double or triple and it be out of your price range.

How To Save Money On Car Insurance Quotes With A Good Credit History

I have never seen a good credit score lower someone’s rates but I have seen people’s rates skyrocket and the insurance carrier even rejecting them because of a bad payment history. The good news is that this credit check usually has less to do with your FICO score and more to do with your payment history.

If you have utilities in your name, installment loans that you pay every month and a history of paying car insurance on time, you should be fine. However, not paying these bills or having several accounts in collections may make an insurance company think twice about you.

How To Save Money On Car Insurance Quotes With A Good Credit History


Now you should be empowered to take control of your car insurance rates. You now know all of the primary factors that can change your insurance quote. I invite all my readers to get a quote from Root Insurance because they have given me the best quotes I have been able to find. Also, if you download the app and get a quote with my link, they will give us both $50 gift cards, even if you don’t sign up! So try it out and let me know how it goes!

You can check out my full review here.

When Is Liability A Bad Idea?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Is it always better to have liability instead of full coverage? This article will help you know which car insurance choice is the best one for your situation.

What Is Liability Coverage?

In order to know when liability is a bad idea, you need to understand what it is. Liability auto insurance covers the other driver if you are at-fault in an accident. Most states require all drivers to have this type of insurance before they can drive on public roads. Naturally, this makes sense. You wouldn’t want someone to hit your car and not pay for the damage or resulting medical bills. That would be horrible! So when that happens, their insurance company has to pay for your restitution.

When Is Liability A Bad Idea
Why You Might Need Better Car Insurance

Why Would I Want More Than Liability?

Being the state minimum requirement, liability is tempting for most people’s first choice. However, there are times when it simply may not be enough coverage. For example, full coverage is what you would want if you are at-fault or there’s a natural disaster. If you are in a hit and run, uninsured coverage would pay to fix your car. Underinsured coverage can take care of you if the other driver’s insurance is insufficient.

In general, insurance is something you hope you’ll never need. Unfortunately, you have to buy it before you need it in order to use it. For example, you can’t add on full coverage insurance the day after you caused an accident to get your car fixed. You have to have it beforehand. People seem to overestimate their driving ability. What’s worse is that, sometimes, another driver causes the accident but you get the blame. This is horrible but know that even not-at-fault accidents can raise your rates.

When Liability Is A Bad Idea

Choosing liability is a bad idea when you or your neighborhood are accident prone. I just recently found out that two of my friends have all had accidents on the same highway where I had my first accident. In at least one of the cases, it was not my friend’s fault. During high school, my father accidentally rear ended a car when the bus in front of the two cars stomped on their breaks at the last second. Sadly, he later ended up junking the car. This all happened just weeks after he switched from full coverage to liability. If he had paid a little extra for just one or two months, he would still have this car 10+ years later.

When Liability Is A Liability
When Liability Is A Liability

Liability is a horrible idea when you still own money on your car. Full coverage isusually a requirement of your car loan. Also, can you imagine making your car payment without having a car? If you are somehow ruled at-fault, you may have to take on two car payments. Worse yet, you may not have a way to get to work and still have to make your payment each month.

You may also want to look into getting gap insurance. You can get it either when you purchase your car or with some auto insurance plans. It will pay the difference if you are upside down in your car loan and total your car.

If you are very risk-adverse, don’t get liability. If knowing that hail could damage your car while you sleep will keep you up at night, get full coverage.


Sometimes paying a bit more for piece of mind is worth it. If your car would be expensive to repair after a reck, you might need more than liability. Generally, if your car is less than 10 years old or financed, get full coverage. Otherwise, it may be worth it to go with liability and save the difference. However, Root Insurance gave me such a good rate, I ended up going for full coverage. Check out my review of them!

Do I Really Need Full Coverage?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

One of the biggest questions you will be asked while shopping for car insurance is wither you want liability or full coverage. This article will help you answer that question and make an informed decision for yourself.

Let’s Start With Liability Coverage

As the name suggests, liability covers the damage that you do to another driver. Not only does this save you from having to pay to fix someone’s car, it also covers their medical bills, up to a certain limit. The main reason people get liability insurance is actually because it is usually a requirement to legally drive. In several states, it is actually a felony to drive without car insurance. These states may put you in jail for driving for a day without current insurance.

Most other states will issue a ticket if you are caught driving without insurance. Either way, either of these actions will be on your driving record for years and increase the price when you actually get insurance again.

What Is Liability Insurance?
What Is Liability Insurance?

Many people opt for liability because it is the cheapest option to legally drive. Since no one really wants car insurance, they want to choose the cheapest option. However, if you are ever at-fault in an accident, liability won’t do anything for you. They won’t fix your car, and, depending on the state, may not cover any of your medical bills.

What Is Full Coverage?

Full coverage car insurance is collision and comprehensive coverage in addition to liability coverage. It usually ends up being about twice the price of only liability. Side note: some states also require personal injury protection. Collision insurance is for if you are in an accident and it is deemed your fault.

It is import to know that even some accidents you did not cause may list you as the driver at-fault. In those cases, you would either have to pay out-of-pocket to repair your car or buy a new one yourself. Since this can be a costly coverage for an insurance company, collision is usually one of the most expensive coverage options.

Do I Need Full Coverage On My Car?
Do I Need Full Coverage On My Car?

Usually, comprehensive must accompany collision coverage. This way, if there is wind, hail or other damages, the insurance company will pay to fix your car. It usually ends up adding less to the bill than collision but most carriers will not let you have one coverage without the other. With both, you can rest assured that no matter what happens, you should be able to have your car repaired.

Do I Need Full Coverage?

Great question! The easy answer is that if you have a car payment, you need full coverage. However, this question becomes harder after you pay off your car. Generally, if your car is under 10 years old or you live in an area with a lot of careless drivers, I would opt for full coverage. If your car would cost a lot to replace, get the full coverage.

If it ends up being only a few dollars more a month, get full coverage. I literally sleep better at night knowing that, even if I reck my car, I can have it fixed or replaced. Since I usually don’t have an extra $10,000 to spare, I have found the extra cost to be worth it.

Why Do I Need Full Coverage If My Car Is Financed?

Unfortunately, most car financiers require full coverage. Since newer cars are usually more expensive to insure, adding on full coverage makes your expenses go up even more. The reason is so that if you are in an accident, they won’t be left empty handed if you no longer make payments.

It never hurts to double check with the finance company before getting insurance. Generally, your premium will go down as the car deprecates in value. In fact, sometimes it makes more sense to buy an older car just to save money on your car insurance.

Is My Old Car Worth It?

If your car is old or worth less than about $3,000-5,000 I would opt for liability only. You can save up the money you save each month toward a downpayment on a new car. Let’s say you save $75 a month by opting for the state minimum requirements. Over a year with an accident, that’s $900!

Does My Old Car Need Full Coverage
Is My Old Car Worth It?

However, be careful that you actually save up the difference in cost. I would recommend using a separate checking or savings account to stay off the temptation to spend the extra money. Human nature is to spend more money as we see more in our checking account. The last thing you want to happen is to get liability to save money and then spend it all on something else.

If you only have liability and are in an at-fault accident, you won’t have a car. Without enough money for a new downpayment, you may be in a tough situation.

When Is It Worth It To Add Full Coverage?

Despite the above information, sometimes it makes sense to get full coverage. This is only when the difference in price is smaller enough to justify adding it on. With Root Insurance, I found that it barely added $10 a month to my bill. For piece of mind, my wife and I elected to add it on. For us, it was worth it to spend a bit more but not worry when we drive in the snow. However, if it were twice as expensive to add full coverage, we would have stuck to liability. Root is the only company I have seen who made it that close in price for full coverage.

Be sure to check out my full Root review right here!


So now you should know the difference between full coverage and liability insurance. Liability coverage is usually the only requirement for car insurance but it does vary from state to state. You will want to verify those requirements. If you have any questions, feel free to drop a comment below. Have you ever been glad you had full coverage after an accident?

Where Can I Compare Auto Insurance Quotes?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Looking to see where can I compare auto insurance quotes? How many auto insurance quotes should I get? Save money by finding the best quote!

Where Can I Compare Auto Insurance Quotes?
Where Can I Compare Auto Insurance Quotes?

Why Should I Compare Auto Insurance Quotes?

Why is it important to compare auto insurance quotes? It is really worth my time? You should compare rates because insurance is a monthly bill. As long as you drive a vehicle, you need auto insurance. Because of this, even a small savings can amount to a large sum. $20 a month of savings can be an extra $240 in a year. For most people, the savings can be even larger.

When I switched from Allstate to Root, I got better coverages and saved over $100 a month! An extra $1,200 a year is a big deal for most people. Could you imagine saving that much with just a little bit of comparing prices? This is especially beneficial for retirees and middle class families. The smaller the wiggle room in your budget, the more important is it.

The issue with getting one quote is that you will never know if it is high or low. When I signed up for Allstate, I didn’t shop around. Unlike an iPhone or gallon of milk, insurance prices vary dramatically. One company may charge twice as much as another. Due to lack of accessibility, it is hard to compare prices. Generally, if you only get one quote, you lose.

How Long Should I Spend On Comparing Auto Insurance Quotes?

Generally, people are busy. Of course, getting each quote takes time. However, it’s worth it to spend the time to get each quote. To save time, some people like to go to insurance agents who represent several companies. However, there can be some issues in doing that. Insurance agents have no fiduciary duty to you. If they have two rates in front of them, they may give you whatever pays them more. There are definitely good agents out there but be careful.

Also, sometimes carriers’ rates may be more through an agency. Did you see the small print on the Progressive ad? It usually says that rates vary by how you buy. In the agency where I worked, people often said they couldn’t find lower rates for themselves. If they can’t do that for themselves, why would they do that for you?

How Many Quotes Should I Get?

The short answer is as many as possible. Most of the time, I recommend 10-15 or more quotes. This will give you a good idea as to about what you will pay. This should also be enough to find one of the cheapest rates in your area. Of course, there is always a chance there will be a lower rate. If you are finding a huge range of quotes, keep looking. However, if all the rates are close ($5-25) then you are probably okay to stop looking.

Just remember that savings will add up over time. For example, if you make $25 an hour, it may not seem worth your time. However, even if searching only saves you $25 a month, that would be worth 12 hours of your time.

Don’t give up until you get those 10+ quotes!

Where Can I Compare Auto Insurance Quotes?

There are several comparison quote websites. This quotes are usually good but not perfect. There also usually get paid for generating leads. I would try not to give them a cell phone number, if possible. You can check out Insurify, NerdWallet, Gabi, and The Zebra.

However, once you find a good quote, I would go straight to the company’s website to sign up. Make sure they aren’t raising your rate by using a comparison service.


Now you know why you should compare auto insurance quotes, how long you should spend, how many quotes to get and where you can compare several quotes. Remember to always be careful and double check everything. An independent agent or comparison website may have a cost. However, they may also save you time and money. Always do your research.

Personally, I always go with Root Insurance. I have had the best experience with them. If you use my link, they’ll actually give us both $50, even if you don’t sign up. You should try them and let me know what you think in the comments!

5 Reasons Root Insurance May Be The Best Insurance Company

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Have you seen the ads or heard about Root Insurance? What makes them different from other insurance carriers? Can I really save 62% off of my auto insurance? Here is my Root Insurance Review!

Number 1: No Commissioned Sales Agents

When you buy car insurance, about 5-15% of that is just a paycheck for your insurance agent. There is nothing wrong with sales agents making a living but think about how much you could save by cutting out the middle man. Root doesn’t use use insurance agents to sell their products. Instead, they rely on internet marketing and word-of-mouth to find new clients. In fact, if you want to get a free $50, just use my link to get a quote and they’ll send you a gift card even if you don’t sign up for their insurance. Marketing this way allows them to keep their costs down and pass the savings on to you.

Number 2: Root Insurance Only Insures Good Drivers

Because only a small portion of drivers drive up the cost of the insurance company paying out for accidents, Root Insurance decided to not cover the types of drivers who are more likely to cost the company money. This is another way Root saves money which lets them keep their rates low.

Root Insurance Review

Number 3: Your Rate Is Based On Your Driving

Although several companies now will give you discounts for letting them track how you drive, Root is the only one I know of where they factor that discount into your quote. They do it through just an app on your phone. No worrying about having to return expensive equipment or plugging something into your car. You also get to have that savings during your very first month with them.

Number 4: Root Insurance Has Great Customer Service

Unfortunately, I did get in a car accident after switching to Root. I was worried at first but they took good care of me. You take photos of the accident right inside the app and upload it to someone who will help with your case. They can email, call or text you so it’s easy to be in touch with them. Everyone I talked to was US-based so there isn’t any cultural or linguistic differences to overcome in communicating with them.

Root Insurance Customer Service

Number 5: Root Has The Lowest Car Rates I’ve Ever Seen

When working in insurance, I could check rates with 12 different carriers. Root beat them all. It wasn’t even close. I believe Progressive Insurance was the next best at more than twice the price for just liability vs having full coverage with Root. I ended up saving more like 70+% on car insurance when I switched to them. Really, just get a quote. It usually takes a couple weeks after you start it. Either way, you’ll get a $50 gift card for just having it run in the background on your phone. If their rates aren’t better, you don’t have to pay them anything but you still get the $50. What do you have to lose other than maybe a bit of battery charge?

Download The App And Take Root For A Spin!

That’s it for my Root Insurance review!

Top 5 Reasons To Never Get Geico Insurance

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

In this article, you will learn the top 5 reasons why you should say “no” to Geico Insurance for your Autos, House, or Renters Insurance. Make sure you read this before signing up for insurance!

Top 5 Reasons To Never Get Geico Insurance
Top 5 Reasons To Never Get Geico Insurance

Reason Number 1 To Never Get Geico Insurance: Your Geico Quote Isn’t Real

The jingle “15 Minutes Could Save You 15% or more on Car Insurance” may mislead some viewers. It’s true that you can get a quote in about that amount of time but it has some major drawbacks. The biggest is that because they often don’t run your driving record until after you pay for your first month. I know several people who signed up for Geico and are shocked when that 2 year old speeding ticket or 4 1/2 year old not-at-fault accident they forgot about shows up on their record and their rate skyrockets.

Reason Number 2 To Never Get Geico Insurance: You Could End Up Owing Geico Money

Because they end up running your reports later, if there is an up-charge in your rate, you will usually find out about it the following month. Hypothetically, let’s say the quote is for $85 a month for your car. After you pay that, get insured and drive with their insurance for a month, Geico finds an accident on your record from two years ago. Not only will your insurance go up to, say, $350 a month but now they will charge you the difference for the first month during your second month. You were expecting a bill for $85 but instead you have a bill for $615! If your bank account doesn’t have that, you’ll end up with an overdraft fee, canceled insurance and you’ll still owe Geico $265 for that first month! This may actually prevent you from being able to get car insurance from another carrier.

Reason Number 2 To Never Get Geico Insurance: You Could End Up Owing Geico Money
Reason Number 2 To Never Get Geico Insurance: You Could End Up Owing Geico Money

Number 3: You’ll Pay For Their Ads

We all have our favorite television commercials but, remember, the customers of the business are usually footing the advertising bill. Geico spends so much on advertising that their rates are higher than a company that doesn’t have that expense. If you find a Geico ad annoying, be sure to thank your neighbor for paying for it.

Reason Number 4 To Never Get Geico Insurance: They May Classify Incidents The Wrong Way

This comes from an experience I had selling car insurance over the phone. I was speaking to a man who said he had a collision incident of running into a deer about 2 year prior to calling me for a quote. I was ready to set him up with a SafeCo policy that would’ve ended up giving me about a $120 commission. All excited to save money on his insurance, he gave me permission to run his record. I ran his driving record and saw that the incident was characterized as an at-fault car accident. Because he was a high risk driver, SafeCo ended up rejecting him completely! Either he wasn’t telling the truth or someone at Geico messed up on paperwork.

Reason Number 4 To Never Get Geico Insurance: They May Classify Incidents The Wrong Way
Reason Number 4 To Never Get Geico Insurance: They May Classify Incidents The Wrong Way

Reason Number 5 To Never Get Geico Insurance: Their Rates Aren’t Always Competitive

Geico is the second largest auto insurer in the US. Some people have found their rates to be some of the lowest. They can keep rates low because it is unlikely they will have to pay out for many accidents compared to their number of policyholders. However, whatever they charge you above costs are profit. I have often found several smaller insurance carriers to have much better rates. Smaller insurance carriers often don’t have billions to spend on national advertising. To attract customers, they often attempt to have the lowest possible rates. It usually doesn’t matter which car insurance company you chose. Because insurance companies are highly regulated requiring them to have huge cash reserves. The only thing that really matters is the cost of their premium.


That’s it! Those are my top 5 reasons to never get Geico insurance. What do you think? If you’ve had a great experience with them, be sure to leave a comment about it. Of course, getting a quote with them shouldn’t hurt but be weary that it could increase at a later date!

If you want to know which company I recommend for car insurance, read my review here!

Or just get a quote with Root Insurance today!