Shop Car Insurance Every 2-3 Years — Loyalty Doesn't Pay

The Problem

You've had the same insurance for 5 years. Your rate has crept up every renewal.

The Hack

Get quotes from 5+ insurers: State Farm, Geico, Progressive, USAA (if eligible), and your state's low-cost option. Compare identical coverage levels. Switch to the cheapest.

Why It Works

Insurance companies use a practice called 'price optimization' — gradually raising rates on loyal customers who don't shop around. New customer rates are almost always lower.

Pro Tips

• Use Policygenius or The Zebra to compare quotes in 10 minutes
• Get identical coverage quotes — compare apples to apples
• Average savings: $200-500/year by switching
• Re-shop every 2-3 years or after any life change