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I don’t know how else to say this, so…I took 15 minutes and saved 15% or more on my car insurance.  😀  Seriously.

Quick Car Insurance Breakdown

Okay, to give a little back story, my husband and I have two cars, both paid off.  Here is the coverage we have on each.

2007 Toyota Prius – Full Coverage

  • $300,000 Bodily Injury
  • $100,000 Property Damage Liability
  • $2500 Personal Injury Protection (PIP)
  • $50,000 / $100,000 / $25,000 Uninsured Motorist Coverages
  • $1000 Comp and Collision Deductible
  • $25 per day Rental Vehicle Coverage

2005 Chevy Aveo – Liability Only (No coverage for comprehensive or collision damage)

  • $300,000 Bodily Injury
  • $100,000 Property Damage Liability
  • $2500 Personal Injury Protection (PIP)
  • $50,000 / $100,000 / $25,000 Uninsured Motorist Coverages

For the past few years, we’ve been insured by Geico and the coverages above have come to about $110 per month ($70 for the Prius and $40 for my car).

Car Insurance

Our Car Insurance was Raised…Again

This happened in early February.  I received the notice from Geico that our policy was up in April and they included the new rates.  They went up by $6 a month…again.  Every 6 months, they try to raise our premiums despite the fact that we don’t get into accidents or receive tickets.  So every 6 months, I call in, threaten to leave, and we get the rate lowered back to normal and move on with life.

Well, I was in a bad mood already and just hit the roof this time.  So I wasn’t just playing the game when I called.  I wanted either no fight at all or the biggest fight ever…one way or another, this crap was going to be resolved quick.

So I wasn’t surprised at all that the rep I first reached offered to increase our deductible or decrease our coverage.  I declined.  Then they asked me to take defensive driving again since our last class certificate from 2009 expired early last year.  I said I would get to it, but I wanted the rates lowered to the same amount we were paying before without the certificate so that if I took defensive driving, it would be an actual discount.  Well, that rep couldn’t do anything like that for me, so I was transferred to a “specialist”.

Someone Not Full of Crap

I was honestly surprised by the next rep.  She was polite, knowledgeable, and didn’t act like I was too stupid to live.  She also performed a miracle…she actually reads company memos.

So after hearing me out, she asked me to hold for a few minutes while she looked into a new program in Texas that she heard of – Geico Advantage.  So I held for maybe 4 minutes before she popped back on the line and started laying out the new program.  It was actually pretty easy.  Geico Advantage is identical to what I had except it has a new name and uses new criteria to set rates.  Since credit history (Excellent) and accident records (none in about 10 years) were two of the biggest criteria, we got the lowest rates they offered.

The Miracle

We literally qualified to pay half of what we were paying FOR THE EXACT SAME COVERAGE!  No joke!  The exact same everything EXCEPT $30 allowed per day for a rental instead of $25 (so BETTER) for HALF.  Not only that, but she started me on the new plan immediately, so what I had already paid covered the next two months.  Overall, I will start paying for car insurance again in May 2013 and it will be $55 a month.

I actually waited to write this post because it sounded like a scam.  But my March payment was skipped as stated, and I received all of my coverage info in the mail along with our new insurance cards.  It truly is identical coverage and will cost us about $330 every 6 months instead of $660.  I love it when stuff works!!!

Ask for All of Your Options!

If I hadn’t called in that day to ask how to keep our rates lowered long-term, I wouldn’t have been transferred to the specialist that reads company memos.  So I would not know about Geico Advantage and I’d still be forking out $110 a month for car insurance when I could have been paying $55 a month instead.  So, remember to ASK for all of your available options or you could be getting screwed and not even know it!  I got lucky in that Geico Advantage was only apparently released recently, so I only overpaid for a month or two…what if I had waited until next year to get pissed and call?  Just ask.  It’s worth it.

Have you ever been pleasantly surprised by asking for discounts?