I Noah Guy Insurance

I’m going to be completely honest with you—some insurance companies have lost their damn minds with these premiums.

Just last week, I talked to someone paying over $300 a month for liability only. LIABILITY. That’s insanity.

Being in the industry, I see this kind of thing every day. Sometimes I can help folks save a ton—other times, even my carriers are way out of line. But here are some solid tips to help you save money on your policy. I’d bet money you’ve never heard the last one.

#1: Shop Around
Seems obvious, but most people don’t do it. We’re creatures of habit—and let’s be real, nobody enjoys shopping for insurance.
I stayed with Geico for nine years without checking. Big mistake. I was overpaying the entire time.

#2: Pay in Full
If you can swing it, paying your auto premium in full can save you 10–15% or more. That could mean hundreds of dollars in savings. Not a bad payoff for skipping the monthly billing cycle.

#3: Ask for a Re-Quote After Major Life Changes
Life happens—and when it does, your rate can change. But only if you tell your insurance company.
Things like marriage, retirement, switching to a remote job, buying a home, or improving your credit score can all lower your premium. Ask for a re-quote and see what happens.

#4: Bundle Your Policies
Still underrated. Bundling your home or renter’s insurance with your auto can knock up to 25% off your car premium and around 10% off your home.
If you haven’t looked into this, you might literally be throwing money away.

#5: Dispute Bad Info on Your Record
Here’s a good one: I recently helped a guy who was trying to add his daughter to his policy, but thanks to a mystery claim on her driving record, he was about to get charged out the ass.
Turns out the claim “happened” before she was even born.
We called LexisNexis (the company that reports accident and ticket data to insurance carriers), disputed it, and poof—solid rate unlocked.
If something doesn’t look right, call LexisNexis at 1-800-543-6862 and dispute it. You might be surprised what’s on your report.

Anything I missed? Any tips and tricks that you have? Drop them below in the comments.