How to Compare Auto and Home Insurance Quotes

To get the best rates, I keep switching insurance every 1-2 years. I'll show you how I do it in this video to save you time and money

Summary:
Get the best deal by comparing multiple policies from independent companies and agencies
The lowest effort to compare quotes: Email an agent with your current coverage
The fastest way to compare quotes, but with high effort: online quotes

Table of Contents:
Preparing Your Data 1:46
3 Types of Companies to get Quotes From 4:44
My Personal Rate Journey 7:08
My Comparative Quote Results 9:56
My Prior Insurance Experience 13:36

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Thanks for watching

[vsanctus]

Thank you the The Frugal Analyst. I obtained quotes from Farmer's, Wawanesa, Geico, including a revisit from my current carrier, 21st century. I kept coverage the same and decided to go with Geico. I am now saving $396 every six months or annual savings of $792. Thank you for posting this on your channel and glad that I'm saving. I agree with you - we should revisit our insurance every one to two years as insurance carrier's are not created equal.

[IAMElsLife]

Thanks for sharing so much helpful information on home and auto insurance coverage. 🔥🔥🔥

[choish]

I recently refinanced my home and your previous video was very helpful! I am about to do my research on home insurance now~ Thanks!

[ankurbalar]

Hi Ryan, Thank you very much for a wonderfully informative video. Please keep up the good work!

[jamescastell]

Hey Ryan! Great video to teach people how to be smart. I'd like to suggest two things. One for you personally, if you do really have a TESLA and own a home, look into increasing your liability coverage on auto and adding an umbrella liability policy. Nothing worse than seeing people trying to save on their monthly budget go bankrupt because they were skimping on the big picture coverage. Your policy would only cover another persons vehicle(s) for up to $25k, and as a TESLA owner you know $25k doesn't cover half of the newer cars out there. Second, Independent insurance agents (brokers) work with several companies and have software technology that they pay for to help shop rates for their clients all the time, very efficiently. It's why financial gurus like Dave Ramsey suggest using an independent agent, not only for advice, but for options in coverage/price.

[rajk]

Awesome !. Thanks for the Great Information. !

[grride]

Awesome video with lots of useful dollar-saving, and time-saving Info. 👍🏽 Thank you! Keep up the great work. 🏆

[huntermckee]

Price is important, but coverage is what pays the claim. A lot of times internet Insurers will sell you any policy, but not explain why you’re getting that coverage. It’s best to work with a human that you value and trust. For your liability coverage, consider your net worth and work backwards. If you were to injure someone in an accident is your income and assets protected? As someone mentioned in the comments, if you’re a homeowner in CA you may want to increase your liability to much higher limits than you currently have. You might consider an umbrella policy as well to make sure your income and assets are protected.

Also, for homeowners coverage it’s important to review your policy regularly. The Dwelling Coverage will pay up to that limit amount. A lot of times people buy insurance and forget it. If you haven’t adjusted the dwelling coverage in many years you may be underinsured on the dwelling.

I hope this helps with coverage!

[richardschaeffer]

wesome video with lots of useful dollar-saving, and time-saving Info.

[goldviper]

Thanks for the awesome video. I will call American National on Monday

[priyaray]

Thank you very much for a wonderfully informative video

[emiliahinde]

Thank you, I appreciate all your recommendations, I will put in practice

[vjjvbvjjvb]

I agreed with you about switching insurance company every 3 to 4 years. These insurance companies are blood thirsty. I don't like to switch insurance, but it makes me doing it. I used to have AllState for many years and my premium keeps rising. Then, go to Liberty Mutual, then Hartford (1st Insurance company that comes to my home and take photos inside and out), now with AAA. I'm about to change AAA. My wife and I used to pay about $2500 a year for auto. Then, adding my daughter into policy. it jumps to $4100 a year for 4 cars. Then adding my son. Now I paid $4800 a year just for 4 cars in DC metro area. I want to find an insurance that does't increase much and maintain my policy for a long time. So far, these crook companies hook me a low for 1st year then keeps increasing. Last week AAA sent me a check for $140 back for not driving much during COVID-19. Dang, it's a lot where I paid them $4200 last year.

[SeriusQne]

this helped a lot man! I'm closing on a home in a few weeks and stressing looking for home insurance quotes...and then considering if i should be quoting a bundle (current with Geico for Auto)

[alexkerhulas]

Hi Everyone, I am a licensed Insurance agent and if anyone has any questions please feel free to reach out regarding any insurance needs. Great video keep up the great work!

[nathanneihlfarro]

Hi can you give me some spiel how to deliver from the clients about home and auto insurance. Thank you

[cindischroeder]

Hello Ryan, each time I try to get quotes on line, they send me the same stuff to re fill out. It can be frustrating. I always end up calling....

[altafhussainsayyed]

Thank you for the informative video, The Frugal Analyst.
There are numerous online platforms for obtaining Auto and Home Quotes. It facilitates comparison.

I recently read insurancehumanity, a blog about auto insurance. It contains informative articles on a variety of Auto Insurance topics.
I found the following topics to be useful:

How auto insurance premium are calculated?
Impact of Points on Your Licence on Car Insurance Premium
How to save money on your auto insurance?

[mrbriceno]

As the notorious frugal analyst what do you think about investing. Do you invest? I have 10k saved if you were me what category would you invest in and how much? I know you cant tell me exactly what to invest in im just looking for some sort of direction. Thank you!

[nournoureddin]

hi rayan .thank you for the useful video. a question plz : is it safe to wright your personal information on an online website to compare the quotes from different companies?? if yes, do you recommend any website ? THANK YOU