Shop Your Insurance - Save $

You know those commercials with the lizard and the cavemen? You should truly listen to them - because they offer you a great chance to save some real money - yup, just like the commercials say.

This month I called Geico - with the exact same coverages I have now with my regular insuarnce company I could save about $225 a year on my car insurance. So I called my insurance company and asked them what they could do - they ran down the list and found 2 more items that I was eligible for and that could save me $50 a year. My question is - why did I have to ask them about these? and why couldn't they match Geico? Well - they didn't have answers for either - so, I switched. Yup - I dig the gecco.

You see the pain of change isn't nearly such a big thing - everything is done online or over the phone, and most is overseen by state and federal rules. For instance, you can't be charged by two different companies for the same insurance - so you don't have to wait until the end of your policy - do it now, show your old insurance company proof of insurance and they have to reimburse you for what they have charged you. And, since most insurance is standardized, your new agent won't be talking in a foreign language - just tell them what you want (look at an old policy and walk through it) and see what the price difference is. Ask questions to see if you need more coverage - or if more coverages are available. For instance, Ameriprise (our old insurer) didn't allow for 100% coverage with no deductible on windshields - well in Colorado it sucks to have to wait an extra year or two to replace a windshield because you don't want to pay the $100 deductible. Geico has a $0 deductible coverage - so I got it - for $30 more a year! Hell, I go through a windshield every two years on one of the trucks - that is a $40 savings on the first windshield!

The other main thing is that customer service before and after you have an accident is almost exactly the same. Companies like Geico and Progressive may be giants, but that just means they have accessors and agents in your neighborhood. Things have become outsourced for all the accessors that you might have the same one no matter who your insurance company is. Geico and Progressive (I state these two because they are consistently lower than the Ameriprise's, Allstate's, etc.) offer you the same beginning to end insurance experience, sure you can have a bad experience with them, but you could have a bad experience with your local agent too. And isn't the point of insurance to never have to use it?

Do yourself a favor - call or go online, and save yourself at least 15% on your car insurance. Unquote.