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As a good driver with no accidents, I switched to Wawanesa, and my rates went down significantly. While they might not be available in all states, if you have a clean record, it’s worth checking if they operate in your area, as they specifically cater to lower-risk drivers.
I found that going through an independent insurance agent was a game-changer because they work with multiple insurers. My agent was able to shop around for me and found a policy that was $30 less per month than the cheapest direct quote I had gotten on my own.
When I was in my 20s, I made sure to compare similar coverage levels, as some companies quoted me for state minimum liability while others defaulted to $250k/$500k liability, which naturally made a big price difference. By ensuring I was comparing apples to apples in terms of coverage, I could better identify the truly cheapest options for the protection I needed.
I once paid $27 a month with Metromile because they have a pay-per-mile model, and I don’t drive very much. This was a huge saving compared to the standard monthly rates I was seeing, especially since my car was paid off and I was mainly using it for short errands.
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