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1. Sticking With the First Quote You Get
You know that feeling when you walk into a car dealership and the first price they give you sounds kinda okay, so you just go with it?
Yeah, that’s what most people do with car insurance. And it’s how they lose money.
Every insurer calculates your price differently, kinda like how every Miami sandwich spot swears they make the “best Cuban.”
You skip comparing quotes, and boom. You’re paying $40, $50, sometimes even $100 more every month for the same coverage.
Ever wonder why your friend brags about paying half your premium? Because she shopped around. And you didn’t.
👉 Here's How You'll Do It: Use a free quote comparison tool like Insurify or The Zebra, check at least 3 options before renewing, and switch if the savings are worth it.
📌 SAVE IT FOR LATER! 📌
2. Paying for Coverage You Don’t Need
You know how streaming platforms sneak in those “add-ons” for channels you’ll never watch?
Car insurance does that too, but with “extras” like rental coverage or roadside assistance you already get from your credit card or AAA.
You end up paying for overlapping coverage that doesn’t add any real protection.
And the worst part? It all sounds responsible when the agent says, “Just a few extra dollars for peace of mind.” Sure… peace for them, not your wallet.
You don’t need 12 safety nets when you only fall once.
👉 Here's How You'll Do It: Review your policy line by line, cancel duplicate perks, and use your credit card or existing memberships instead to cover extras.
3. Ignoring Your Deductible Amount
Ever notice how people only find out their deductible after an accident? When is it too late?
If you’re paying a low deductible, you’re basically saying, “Charge me more every month, just in case.”
You could be saving hundreds every year by raising it a little. Assuming you’ve got an emergency fund, of course.
Think of it like wearing three lifejackets when you already know how to swim.
You’re safer than you think. But you’re paying for the illusion of safety.
👉 Here's How You'll Do It: Check your deductible; if it’s under $500, raise it to $1,000, stash that difference in a high-yield savings account, and call it your “crash cash.”
Bonus Tip: Not Shopping Around Every Year
You know how you keep the same Netflix password for years and forget there are better shows somewhere else?
That’s exactly what happens when you stick with the same insurer year after year without checking new rates.
Prices shift constantly. One company raises rates, another lowers them, and you’re just out here paying extra because “it’s too much hassle” to compare.
But here’s the twist. Comparing quotes takes literally 3 minutes now, not 3 hours like it used to.
That’s where tools like Insurify come in handy; you pop in your info once, and it shows you dozens of quotes side by side so you can grab the cheapest one without playing phone tag with ten agents.
👉 Here's How You'll Do It: Visit Insurify.com, fill in your car details, and compare rates from top insurers in minutes. Most users save up to $700 a year just by switching, so yeah… worth the two minutes. 🙂
4. Forgetting to Update Your Driving Habits
Your life changes. New job, shorter commute, maybe you’re working from home now.
But if your insurer still thinks you drive 60 miles a day, they’re charging you like it’s 2019.
You could be overpaying just because your mileage isn’t updated.
It’s like paying for an all-you-can-eat buffet when you’re on a salad-only phase.
You’ve got to keep your policy as current as your Spotify playlist.
👉 Here's How You'll Do It: Log in to your insurance account, report your updated mileage or commuting status, and ask for a “low-mileage discount.”
5. Letting Your Policy Auto-Renew Without Checking
Auto-renewal sounds convenient until you realize it’s basically your insurer saying, “We’ll just take your money again, thanks.”
You trust the system, forget to check your new premium, and. surprise. It’s 12% higher than last year.
They count on you being too busy (or too lazy) to notice.
Meanwhile, your “loyalty” is making them rich and keeping you broke.
Ever felt robbed by your own autopay? Yeah, it’s that kind of betrayal.
👉 Here's How You'll Do It: Turn off auto-renew, set a yearly reminder, and compare quotes at least a month before your renewal date to stay one step ahead.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
