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marshall262 t1_je4pojp wrote

Going to disagree with you on the unbeatable part there. I think they were a solid third when I did my shopping around last year.

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rawwwse t1_je6gln1 wrote

I feel dumb asking, but… Where does one start on this “shopping around” thing? Insurance is just one of those things I feel like I’m stuck with.

Had a terrible experience with my auto insurance co. (Nationwide) a few years back, but never changed it because they also insure my home, and I figured it would just be too big of a pain to shop/compare/switch both ¯\_(ツ)_/¯

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marshall262 t1_je6hnhv wrote

It's a bit of a pain since you'll probably end up being on the phone for about 45 mins with each insurer on hold/answering questions/discussing coverage options, etc. Well worth it every couple of years though to a) get the best premium you can find and b) review your coverages to make sure they're still appropriate for your needs. Both auto and home can be covered in one phone call.

You could start by asking around some of your friends and colleagues to see who they use, then simply call those insurers asking if they can give you a quote. Also, do some research to see if you're eligible for any group discounts (for instance a lot of colleges or universities, professional associations, etc will negotiate favourable discounts for their members with specific insurers).

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trojan-813 t1_je82ig2 wrote

Do it online, always. It never take more than 10 minutes with each application.

Pro tip: if you’re married, do 2 applications, each adult as the main policy holder. One is always cheaper, and it tends to be the women. My wife as the “named insured” was 30% cheaper than me bing the named insured and I have the better driving record.

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up2knitgood t1_je6ysat wrote

I finally broke down and found an insurance broker and wish I'd done it way before. I showed them my current coverage and they got a few quotes. Especially if you have more than one policy (car, renters/homeowners, etc. I'd recommend at least looking into it.

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rawwwse t1_je75dq8 wrote

Thanks for the tip…

I have a motorcycle as well, so it may end up saving me a little. Gonna look into it.

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