We recently received our auto insurance bill in the mail, and for once I decided to “just see” how much of a difference it could make going with a different company. At over $2k for the year (keep in mind MI is a no-fault state) I was hoping to knock a couple hundred bucks off. I started off as I would imagine anyone would do these days and took right to the internet. First stop… State Farm. After entering the data they wanted I waited eagerly and… more expensive. I almost stopped figuring “everyone is going to be the same”.

Still something pushed me onward even with children who needed things wining in the background. Next up I hit Progressive. This time I got a little encouragement with a quote around $700 every six months. I played around with the numbers and got it down to around $550 every six. We were talking some serious cash now. How could roughly the same benefit cost nearly 1/2 what I was paying??

Figuring it didn’t hurt to keep looking I decided to also give Geico a try. This time I was shocked to get a quote even lower! After looking over the numbers I chose to actually increase some of the limits and still kept it around $550 every 6 months.

In the end I chose Geico because for the same rate as Progressive I got more coverage, and still wound up paying nearly 1/2 what I was with AAA. When calling in to setup the coverage I was told that the primary discount was for an excellent credit rating, so for anyone reading this, make sure you’re paying your bills on time, in-full every month.

For those who want a breakdown of the actual coverage numbers, here they are…

The moral of the story? Go check your auto insurance coverage and rates then go comparison shopping. No guarantees you’ll see the savings I did, but it just may save you hundreds if not thousands of dollars a year.