How Much Car Insurance Do You Need | 4 EASY STEPS

[@bgaripov]

You should make a disclosure that you are not licensed insurance consultant, agent, or broker, and people should advise with a trusted licensed professional, after watching your video.

[@benhoganjr]

AS A LICENSED AGENT I ACTUALLY AGREE WITH THIS VIDEO...THIS IS A VERY GOOD VIDEO....licensed in 45 states*** i can understand your concern that some1 may ASSUME she is licensed although she has never mentioned or stated as much

[@bgaripov]

jerome junior as a licensed agent to A LICENSED AGENT IN 45 STATES, I agree, this is a pretty good video. But as A LICENSED AGENT IN 45 STATES, you should know that someone in the position to be called influencer , must be careful with what they say, since it can be interpreted as direct advice. So making disclosure is going to give at least a layer of protection to Justine @Debt free millennials.

[@DebtFreeMillennials]

That's why I pinned your comment.

[@phillipslife8716]

Licensed in 45 states ?? I don’t believe you based of the comment that you liked this video. So you paid like over $45,000 to get licenses and you pay tens of thousands to renew your licenses ?????? You drove to 45 states to get licensed ?? I m licensed in CA

[@snake1625b]

You don't need a license to give advice like that. These licenses are made up to create barriers to entry

[@apostleemilcedeno5269]

Young Lady, young lady, young lady! I am a 72 year old millennial (lol). I have never paid much attention to my vehicle insurance policies. Today I was getting ready to write a check for my auto insurance and realized that with all this inflation I'm short of funds. So, I told my wife that tomorrow I'm going to my insurance company and tell them I can't afford what I'm paying presently for the policy. I decide to get on youtube and look at insurance company reviews. Hallelujah! I ran into your video and you taught me how I could save some money and you gave me a strategy for tomorrow's meeting. You are a blessing!! I wish you and your family the BEST.

[@DebtFreeMillennials]

I love this!!! Please come back and let me know if you were able to save on your car insurance premium!

[@apostleemilcedeno5269]

@@DebtFreeMillennials Will do.

[@2_572]

@@apostleemilcedeno5269 did you save? Lol

[@apostleemilcedeno5269]

@@2_572 Not yet. I went to talk with an agent at the auto club. I told them that I wanted to increase my deductible on my two cars to $1000.00 each. I have a Travel Trailer that's 2 years old and they value it at 39,000 with a $250.00 deductible that I will probable increase as well. Talking to the lady I felt while sitting there that she was not too enthusiastic about what I wanted to do. She told to go home and think about it. So I did. Anyway I'll be going back tomorrow to make that changes. Thank you again for your advice and video. I'm going to watch it again, Emil.

[@cesarrodriguez9597]

​@@apostleemilcedeno5269Why would you expect any enthusiasm on her part after you were going to make her do some real work for a change, plus at the same time you are trying to save some money at the same time.

[@Mel-qp4vq]

Didn't realize how much my insurance company was screwing me over until I watched this and started shopping around. Thanks for the info.

[@afroshark2799]

As somebody about to turn 30 in 2 months and is JUST about to buy their very first vehicle, this video was perfect. I was drowning in the most aggressively toned 'what not to do when buying a car/car insurance' videos that were just making me feel worse for not knowing these things. Your calm voice and very relatable advice really helped me figure a few things out! All while not feeling like a total failure... 😅 Genuinely, thank you so much!!

[@geoffreyturnbull8423]

I’ve seen/heard a lot of videos about this subject. They’ve all been good, but yours was exceptionally easy to follow and clear and simple.

[@DebtFreeMillennials]

Oh wow, thank you!!

[@yourshyness32]

I agree!

[@feliciagray9631]

I was feeling very overwhelmed as this is my first time buying a car and looking into insurance so THANK YOU for taking the time to put this together. I really appreciated it.

[@DebtFreeMillennials]

Yay! So glad it helped.

[@hectormena3769]

Thank you for this! Doing my research before purchasing my first car. It's a little stressful but watching this video has informed me a lot.

[@theanataylor4011]

What are you getting

[@michellebaltazar127]

Amazing!! I am 26 and I still don't know how to adult, so this was VERY informative!!

[@DebtFreeMillennials]

I'd say you're adulting well if you made a point to look up car insurance info. It's not as straightforward as it should be! So glad you found this video helpful :) Love hearing that!!

[@rahulupadhyay3570]

I am 28 and I still cannot adult. This video helped me. Now I feel more grown up !

[@richardpanini971]

Michelle Baltazar yeah same here

[@Pinkielover]

46 still learning

[@ohemmaAna]

Same sis and I’m 27 just figuring stuff out as I go

[@TheJoan48]

Hope it's ok, I'm a senior citizen but I did learn alot anyway. You explained really hard concepts so well. Thank you and hope it's ok you have some elders on board!

[@SuraDoes]

This was a super helpful and concise breakdown of auto insurance terms. I feel that much more prepared to shop around for insurance. It’s tough when no one shows you how the system works. Thank you!

[@DaltonsFriendswood]

If you raise your deductibles be sure to have some kind of savings account or sinking fund for that difference.

[@DebtFreeMillennials]

Yup! I mentioned that's why the emergency fund is so so important!

[@Inari007]

@Olivares Silviano If you really want money saved under your mattress, consider instead of paper money to convert it to gold or silver long term. Short term it really does not matter much and you could lose money on conversion rates. BUT long term convert.

[@cesarrodriguez9597]

​@@Inari007Very good advice, but unfortunately it does not apply to this topic. You are saving, in this case you are saving for an emergency waiting to happen, not for a retirement plan.

[@atniem684]

about to buy my first car (used, in cash of course lol) and was COMPLETELY lost in the sauce with car insurance. the video definitely helped to break it down. THANKS!

[@eleazararce5716]

Thank you Debt Free Millennials I just got of the phone with my insurance company and I'm saving almost $500 every 6 months. Have a blessed day young lady!

[@XtremeSportX247]

Thanks for this, I am on the phone chat right now with Progressive and listening to your video. The agent rep heard your voice in the background and she laughed and said she is 100% right. I raised my deductible from $500 to $1000

[@anna81089]

Thank you for these recommendations. I had become complacent with my car insurance and never taught about shopping around for a better deal. The website you recommended made it easy. I was able to stay with my current coverage, but for much less. Thanks again.

[@filit080410]

I’m actually shopping around for Car Insurance for the first time and had no idea where to start. But this was by far the most detailed, thorough and best explanation I’ve come across. I’ve always looked to my parents for explanations like this as i got older but they are from a much older generation where they don’t really understand the technicalities of today’s modern society of how things work now and days. So this video gave me a lot of insight and knowledge i did not know or could comprehend about car insurance. Thanks to you ive taken a step further to begin my car insurance process knowing what to look out for to get the best and most affordable car insurance there is. Thank you. Great video! 👍🏼

[@DebtFreeMillennials]

Awesome! I'm so glad you found it helpful. It was helpful for me too, because I had no idea how car insurance worked in the past.

[@AlecDaStar]

Agree it’s so confusing to do anything

[@itstamiana]

I'm 20 and still learning a lot of thing and this was honestly very helpful! Thank you!!

[@DebtFreeMillennials]

I'm so glad!

[@alymj3304]

Perfect timing! The email for my car insurance renewal came through while I was watching this!

[@DebtFreeMillennials]

OMG haha that's perfect! I also have the steps written out on my blog so you can check there when you review your renewal!

[@jesspascale]

I just graduated college & my parents rule was that I'd start paying for my insurance afterwards. I remember hearing about some of this information in driver's ed when i was 15/16, but truly at 23 I didn't retain much of the insurance part. This video was so easy to understand. Looking around for different quotes I've decided to go with Progressive, saving me +$400 twice a year, $800+ a year from State Farm! Thank you for creating this video and making my introduction to car insurance less intimidating!

[@DebtFreeMillennials]

SO happy to hear that, Jess!!

[@lifeofmike556]

They don't teach us this stuff in school and after watching this I now understand my parents didn't give me the best advice either. This just helped me a lot.

[@SL-pg4dh]

Yeah parents are a huge let down in setting up children for adulthood. There's more to it than just getting education, great job, getting married and giving them grandbabies.

[@cesarrodriguez9597]

​@@SL-pg4dhDon't blame your parents for your present struggles, instead, ask yourself " what must "I" do to be better "ME". Every time you point blame at someone else 👉, you are pointing back at yourself.

[@enjoyxmusic664]

I Iove you I literally watched your video this morning to figure out my car insurance because they were giving me some crazy prices and you literally save me money over $150 when I change my collision in my comprehensive deductibles thank you

[@emilyrowley1703]

OMG EVERY YOUNG ADULT NEEDS TO SEE VIDEOS LIKE YOURS!! Thank you so much!

[@DebtFreeMillennials]

Haha, thank you! I tried to make the video easily understandable so I could refer back to it when I need to make changes to car insurance.

[@moparfam300c]

I'm almost 19, this really helps!

[@chase321]

Young lady I'm not a millennial(baby boomer)but your presentation was the most informative and easy to understand that I found .It helped me tremendously.Thank you.

[@DebtFreeMillennials]

Oh thank you so much! Glad you found it helpful.

[@terryburkle2826]

As a person that has 25 years of property and casualty claims experience under the belt, your advice is very well in line. I listened to your video on a whim just to see what you have to say, and I must say you’ve done your research. Nicely done.

[@MariaLimon1]

YES! You have been super helpful. Insurance has always confused me and I've fallen into the "this is what my parents had" situation.

[@cameronamano6748]

I'm a millennial and my parents just asked me to start taking over my own car insurance. I was SO at a loss for where to even start, so this video was INCREDIBLY helpful with helping me understand what to do! Thank you :)

[@DebtFreeMillennials]

Yay! I'm glad you found it helpful :)

[@MusicMike747]

Helpful and clear explanations. In 2024, raising my minimum liability insurance to match your coverage? My premium more than doubles. Things have changed since your original post 💰

[@WeSpeakFootball]

Thank you so much for this video, not sure if it's the same here in Canada but this was really helpful.

[@DebtFreeMillennials]

You're so welcome!

[@DailyModernReels]

its not

[@blancher11]

@@DailyModernReels any video suggestion? I live in bc and I’m looking to get more educated about car insurance. Thanks

[@1badcrow463]

Here in Alberta Car insurance is legalized EXTORTION !

[@Michael-jt7gb]

[@VanTran-rq3vz]

Thank you for the video. I still have some questions after watching it. Hope you know the answers :) 1) Your insurance shows Uninsured Motorist Property Damage as "no coverage". Does this mean if someone if someone hits your car, and that person is uninsured or underinsured, your insurance company will only cover your car repair up to $3,500? Or will the Collision coverage kicks in and cover ALL your car repairs costs? What if the car repairs cost is like $40,000? 2) Collision deductible of $1,000 - It doesn't show how much collision coverage will go up to, so how do you know how much the insurance will cover in an accident, regardless whose fault it is? 3) Medical payments of $10,000 each person - In an accident, if you're at fault, bodily injury liability covers the other driver, and medical payment will cover your medical bills up to $10,000? - In an accident, if the other driver is at fault, their insurance will cover your medical bills and your passengers' medical bills. If that drivers doesn't have insurance or doesn't have enough insurance, then your insurance's Uninsured Motorist Bodily Injury will kick in and pay your and your passengers' medical bills.

[@nenavasquez6050]

Man, that was the best insuance company advice class I ever took!! You explained everything in English (Lol!) and not insurance mumble jumble so that I don't understand it and yet still feel like what was being offered is the Best deal when in reality it isnt the best deal to CHOOSE. Thank You so much and I'm definitely going to subscribe to your channel.

[@DebtFreeMillennials]

Thank you so much! I wanted to make a video that would have been useful for me when I was insurance shopping.

[@sylviachavez7663]

Thank you so much. I finally understand after driving for 55 years. Stupid. Cuz one depends on trusting the agents becuz we don't know. U Made it so EZ to understand. Proud for a young female to have explained it so well. Coddles to YOU, Missy😊

[@galush8975]

I think this was a great video that was perfect for BOTH people that want to understand the details AND for the people who just want you to tell us what to do. Some remaining questions I had were....I know I'm going to get liability. But do people NEED to get comprehensive if I don't care about natural disasters/robberies? And if liability already kind of covers collision...do we NEED collision, especially if I don't really care about my old car. At what point is the extra cost for comprehensive + collision not worth it for what it covers? Also some feedback, for young adults that are clueless like me. Everything made complete sense until terms like deductibles and premium came in. But after a few rewinds, I realized that the deductible is just what you always have to pay to initiate the insurance...and premium is just the cost of the insurance. I know it's kinda stupid, but it took me a bit. Thanks for this awesome video!

[@timekabolden5309]

Damn good questions!!

[@KoderAnn]

Everything is currently closed down due to COVID-19. I am a case manger for homeless and at risk youth. I am going to sent this to my youth as a way to help them because I can not see them in person. Thank you so much for this video and I cant wait to see what else you have posted. You are a wonderful resource during this time.

[@DebtFreeMillennials]

Thank you so much! I'm glad you found it helpful :)

[@thelazerprinterguy5496]

Watching this in preparation for buying my first car and this was extremely helpful! Thank you so much for making something that seems so scary so simple to understand!!

[@tomjones2348]

Excellent presentation! I'm utilizing all of your suggestions and can already see where I'm going to do better on my insurance. (I'm 66 with a perfect driving record). Speaking of "older autos" and safety. I purchased a 2002 Nissan Quest SE and have maintained it well. I've driven every van built, and mine is just better in every way (it's the perfect surf vehicle...and great for going on trips). It handles great in bad weather, ABS breaks, and is a quiet ride too. Thanks for taking your time to create this video.

[@insuranceagentwestchesterp5863]

good info for young adults to educate themselves about car insurance.

[@DebtFreeMillennials]

Thanks!

[@lr3325]

You are adorable! At 54, I’m still confused when insurance shopping. You explained this PERFECTLY! Thank you so much! 😁

[@idontknowwhatnametoputhere7809]

54??? Are you single? 😍

[@pinkdiscomosh2766]

This was very helpful. I’m currently trying to save on car insurance and was confused on how all this stuff works. This was the best. Thank you :)

[@DebtFreeMillennials]

you're welcome!

[@clementpascal8797]

what an interesting explanation you did , From a french guy that seems really confusing but really helpful . Fluency in all topics is kind of a goal and to crown it all you american way of talking is just mind blowing for me I really appreciate it

[@DebtFreeMillennials]

Thank you! I studied French in college :) I am so glad you reached out and watched the video!

[@machintelligence]

When you drive an older vehicle (and have a larger emergency fund) you can even self-insure for some perils. For example, I have a 30 year old Jeep and an 11 year old truck, so neither is particularly valuable. In Colorado comprehensive pays out mostly on glass damage (windshields). Older vehicles are barely worth stealing and floods are rare. By dropping comprehensive coverage I save enough every year or two to pay for a windshield. I replace one about every five years, so there is a net savings. I no longer carry collision either, but I do have Uninsured Motorist Property Damage coverage. If I cause the accident I have to repair my car, but if some turnip (uninsured motorist -- you can't get blood from a turnip) hits me then the insurance company pays. I have never had to use this coverage (or collision either, for that matter) in nearly 50 years of driving. Obviously this advice only applies to those who drive older, cheaper vehicles and are willing to assume more (but not a lot more) financial risk. If you have a 1,000 dollar deductible you are going to be paying for your own windshields every time anyway, since they are only a few hundred at worst. It won't work for everyone, but it works for me. My premium to insure both vehicles is under one thousand per year total.

[@salonidra5270]

Very good info !

[@nuellaluther3907]

Thank you for your great information. I am 86 years old and drive a 2007 Dodge Van. While my son was cutting my grass a stone shattered the rear window. That's when I discovered what not having comprehensive insurance means.

[@DebtFreeMillennials]

I am sorry to hear that your rear window shattered, however I'm glad you figured out what insurance you need.

[@eddiealvarez3912]

thank you! with your guidance I was able to find a savings of $61 per month, with much better overall coverage. Crazy. I think the high premium from my last policy tho had a lot to do with my bad driving record etc when I started with them.

[@DebtFreeMillennials]

OMG that's awesome!! I'm so glad you were able to get a BIG savings! $61 saved a month is huge. Congrats!

[@josesantiago6671]

23 y.o, just obtained my license about 2 weeks ago, getting a car from a friend once I get it fixed up, and going to get some insurance on it so he can do a title transfer. Not knowing where to start, this video gave me some good insight and tips on what to look for! Thanks a lot, and I hope I find what’s best for me. Adulting is challenging, but with the right studies and execution, it’ll be ok.

[@tiffanya8972]

Thank you for making this video! Much appreciated. I decided to go with Progressive after getting several different quotes. I was about to just renew my policy without looking at other options (because eck...who wants to do the leg work lol). Glad I came across your video. Saving $500 + annually now. Thank you!!

[@DebtFreeMillennials]

OMG awesome! so glad to hear it!!

[@arthurspooner36]

Thank you for keeping it simple! Bless you and family.

[@irynapereverzieva9750]

This was a great Car Insurance 101! Very clear and easy to follow. I loved the real examples as well. Thank you!

[@felipepardosuarez2364]

This video was super helpful, thank you so much!! I really appreciated how detailed it was. You answered a lot of questions I had. I just spent all day on the phone getting different quotes and I feel ready to make a decision on my auto insurance 🥳

[@blakeaddib]

thank you so much. i’m 17 and i’m really struggling to get my life together on my own and this really helped

[@DebtFreeMillennials]

I'm so glad this helped!

[@marshallmason1]

This is an astonishingly good video. Breath of fresh air on KZbin. Just solid advice packed from beginning to end, no nonsense. A lot of tips people don't know about here, like paying every 6 months and bundling. What shocked me here was how cheap it is to jack up liability coverage. For some reason, I always thought it made a big difference so I've been stingy about my liability coverage, but I'm looking at my own policy, and holy cow you're right. And I'd never heard of Gabi before, I'll check it out!

[@jenbarrett8966]

I made the changes you said and saved $292.08 per year. Thank you!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@DebtFreeMillennials]

OMG I'm doing a happy dance for you!!! YES!

[@SOSAXP7]

This what is Auto insurance explained was very helpful and informative.

[@mdn459]

Simple and straight to the point!!!! LOVED IT!

[@DebtFreeMillennials]

Thank you!!

[@blessedwarrior9242]

You are amazing. My agent has never explained it to me the way you have done it. I have been paying so much money for Only 10k/20k/10k PIP liability and BIL Comprehensive It was for 100 or something and also the collision. What a rip off. I am looking for another company and this time I will max out the Liability for sure. Thank you for your help.

[@GodBlessHipHop]

i was sitting here playing with the numbers for days, this video helped me get an idea, i just wish you had more visuals of lets say the estimate calculator they have on most insurance sites.. i went with no comprehension coverage in the end because the bill would jump up 100 + 'bucks.. I need them to be alot lower than they are now..

[@DebtFreeMillennials]

Thanks for the feedback. I'm planning to do more car insurance videos cuz I think this is one expense people tend to overpay.

[@lindcobbs4615]

I wished I had seen this video three years ago. I felt like my agent was speaking in a foreign language when I got my insurance. I'm so thankful for KZbin and people like you helping me and others, who need help understanding how all this works. Now I can go over my car insurance policy with a clearer understanding and save some coins. THANK YOU!!

[@DebtFreeMillennials]

I'm so glad you found it helpful!!

[@dipsy552]

Thanks! This was very helpful. I was shopping around for a better rate with no luck not realizing that a few changes to my current policy could also save me money. I took a few of your insights and reduced my new 6 month policy from $1178 to $999.80. It was actually going up by $7 each month from my old policy but instead I got it down to more than a $20/mo savings from my old monthly payments!

[@DebtFreeMillennials]

Wow! That's awesome news! Thanks for sharing. It literally just takes a few tweaks and you can save a ton in insurance premiums. So glad you found this helpful!!

[@ShiouderWannkossak]

Must learn for every citizen on the planet who needs car for ‘Impractical needs’. Thank you.

[@sustainablediamond7042]

As someone who is insurance licensed, I think your limits are good advice, based on what my office is advising. Lol, I need to up it myself 😅

[@NicoNoo]

Thank you for detail explanation, sometime it is confusing with different name of coverage but I do understand it better after you, and I was not bored lol

[@4everskiing]

Thank you very much for explaining it to me. I am 66 with a spotless driving record. I will max my Liability and save some money.

[@DebtFreeMillennials]

I'm so glad you found it helpful!

[@boondoc001]

This definitely helped me clarify a few questions that I had. Thank you for the video.

[@earthangel.k]

Okay so I’m 14, Ik young right, but I’m really just trying to prepare myself early because school is just not doing it. And your are so helpful I was able to understand all of it and write it down without really any problems! You’re so helpful, thank you for making these videos😌

[@DebtFreeMillennials]

That is so cool that you are learning about car insurance now! I think if you keep learning about how money works, investing, college tuition costs, etc you are going to be in great shape once you graduate high school. And thanks so much for watching the video!

[@robnation2475]

Comp and collision $250 to $500, Glass $0-$100 ($1000 is too high unless you're already considered high risk) A good credit rating will help your ins.

[@ThinkInsurance]

Hey Justine, I came across here doing some research on a vid I'm working on for insurance. Great Job overall. On your policy you should lower you Comprehensive deductible. It won't cost you more than a dollar or two a month, IF THAT, and could save you hundreds if you have a comp claim. I'm glad you pointed on maxing you liability limits, that is important for not only giving you better coverage but it helps on your renewals each year(especially if you re-shop with another company). Just a note you might want to add a disclosure when you're recommending these changes. Some Notes: No-fault states don't cover some of the things mentioned. Also, some states do not require BI limits, and you can go higher than 250/500 with a lot of companies(not Progressive). Agreed! Brand loyalty is almost dead with the majority of companies. Def check out the savings with progressive in most states if you have a college degree, it helps. TIP: They highly rate the # of driver's in the home so if you have more driver's it makes a big difference.

[@DebtFreeMillennials]

Hey, thanks for the feedback and suggestions. You're right, some states are different on what they cover. Progressive is what I have so that's what's in this example. I'd be curious to know what insurance company you use.

[@ThinkInsurance]

Debt Free Millennials I personally have had Citizen’s insurance for several years now and have been happy with their service and claims (sadly, I’ve used it twice). I’m working on a video that will show the top discounts in insurance to look for. I might even go company specific. There’s so many available, such as, if you have Geico and buy stock with Berkshire Hathaway you can get 8% off etc.. :0)

[@jwb6008]

@@DebtFreeMillennials I second what this commenter said. I wrote a very detailed comment about why it's a very bad idea to have a high deductible for *Comprehensive* coverage, even though every thing else in your video was sound advice.

[@willkitching6795]

Outstanding video with clear definitions of the auto insurance policy and helpful hints on saving money. Good speaking voice as well. Bravo!

[@thomasdelaney8117]

I live in Palm Beach County Florida. The rates on this video need to be multiplied 10x to be accurate. Yes 10x

[@HPeezy1]

Orlando here, I agree.

[@robguard3797]

@@HPeezy1 Boca here. I agree also . I could never max out. Hard time at 20,000.

[@kathymeggison1986]

Thank you for your explanation I finally get it😊 I currently have a brain injury and I called my current car insurance to get them to explain to me what Coverage my husband & I currently have No matter how many times I told the girl on the phone that the way she was explaining to me because my brain injury I was having a hard time understanding ,she just kept repeating over and over the same thing So I decided to try KZbin and found you You broke everything down I had no problem understanding at all & I didn’t even have to relook at the video. I got it the 1st time. I was so excited that I felt the need for the 1st time to actually commented on a video It meant the world to me to be able to actually comprehend something instead of being so confused. I am not a stupid person I just unfortunately on my 9th concussion & the part of my brain that got messed up this time is the part that helps you process so thank you so much 🤗🧚‍♀️🙏Kathy

[@DebtFreeMillennials]

Yay! I am so so glad you found this video helpful!!

[@astarr99]

Thanks for making it understandable because I have always been confused by it even when explained by an insurance agent! Whew finally I get it!

[@DebtFreeMillennials]

Yay! I'm glad you found it helpful 🙂

[@jesusquinones8649]

When talking about old and new vehicles, is not just about their age but, their safety and other factors. The Subaru Forester’s insurance is not expensive, I was comparing it to the Crosstrek and it was costing me about 150 bucks less per 6 months and the two cars were the same year with the Crosstrek being a little cheaper.

[@ChainRiders1969]

I am a new driver to this country. I used to drive back there however I just recently got my license. What do you think how will that affect my insurance pricing and how should I handle it ? Also, As of now I haven’t bought the car yet and I didn’t had any insurance before, so what is the best way to tackle insurance companies during such situations ? I really like your video. Huge fan as a new person to this country. Thank you so much !

[@ashleyb420]

Thank you for making this so simple to understand. Definitely worth reviewing my policy now that I know what I’m looking for.

[@DebtFreeMillennials]

Glad to help!

[@KevinJohnson-ov8bb]

Liability also covers damages done to structures. Best advice for insurance, ask friends for an agent who will always be available and shoots you straight. These online companies can't match the level of service that an in person agent can. If you want to live like the rich, you have to have the best working for you.

[@lydiayang3187]

This is really concise and helpful! Thank you!

[@DebtFreeMillennials]

You're welcome!

[@Nickfdz95]

This should be taught in school, at least the fundamentals. I want to thank my high school for teaching me so much about Shakespeare, those poems really helped me save money...

[@DebtFreeMillennials]

bahaha

[@christhoreson5687]

I'm 39 years old and I've never had car insurance explained so clearly! Great video and tips. Thank you!

[@DebtFreeMillennials]

Thank you so much!!

[@thehiddenexperience4116]

I'm Paying high right now because I have my first ever drivers license and got it last month and already got a car. I'm paying $230 for insurance. I did the comparisons for my Geico insurance. I have the lowest. I guess I would need to drive carefully until it keeps reducing

[@Confuciuz_4]

Liability 250-500-100 Deductible raise 1000 6 months premium

[@bobprice6274]

Great video, i took notes and will incorporate your ideas. Thank you for making it!

[@AliciaDoes]

Are you reading my mind? I literally have been talking about this for the past few days!! Thanks for sharing!

[@DebtFreeMillennials]

Haha, it's literally been on everyone's mind! I hope this helps and keep me posted if you were able to save.

[@thinkertoo2995]

This was very helpful. I watched it twice. Thank You for making insurance terminology more understandable.

[@Caitrateka]

Man, this was so incredibly helpful! Thank you so much for taking the time to make this video. ✌️

[@DebtFreeMillennials]

Glad it was helpful!

[@jojohns9670]

This tutorial was exceptionally well-done. Your explanations are very clear... and the practical example is what makes it stand out.

[@DebtFreeMillennials]

Awesome, thank you!

also please make a update including price difference when adding another person to your policy or spouse

[@DebtFreeMillennials]

That would be an interesting to see the difference...

[@dinkleburg6039]

Couldn't you just do that lmao?

[@vanlimma7100]

Omg soo helpful! I am new to all of this so I am grateful for this video. ❤ I love it when you showed examples of what you did and comparison of the numbers. Most importantly, listing the todo steps. Thank you so much.

[@nicholasnoriega1205]

This video is exactly what I needed thank you so much. Subscribed.

[@DebtFreeMillennials]

Awesome, thank you!

[@wahtakk5684]

I’m with progressive too and I am paying $165 a month for 2015 corolla. Car is not fully paid yet but still I found it expensive. No claims for 10 yrs, no accidents, no tickets, except for having a fair credit score 😆 and i think thats the reason why i am paying too much. One more thing my monthly changed to $180 per month after updating my status to married even my spouse is not license by choice.😑😑🤯

[@DebtFreeMillennials]

Oh geez, that's frustrating! And super high... what's your coverage?

[@DebtFreeMillennials]

Umm... $3,000 for a six-month premium? You are seriously getting ripped off. What kind of car do you drive? What's your driving history?

[@DebtFreeMillennials]

@Michael C I see. It sounds like you are just wanting an estimate of how much you'll pay in car insurance coverage when you go to buy your car, correct? Who quoted you $3k for a six month premium?

[@JohnSmith-dg5cc]

Very good video! Hate to admit that I still get confused about insurance and have been too lazy to do anything about it. Im looking at mine right now thanks to you!!!!!!!!!

[@DebtFreeMillennials]

Thanks! Glad to hear it was helpful.

[@jasoncastaneda1942]

Thank you for teaching me about car insurance

[@DebtFreeMillennials]

You're welcome! Glad the video helped.

[@thesandboxbandit3838]

Your tool that you recommend to get quotes literally gave me quotes that were wayyyy more than I'm paying now. One of the quotes was for $1,025 PER MONTH! With less coverage too. For context I currently pay $170 for a 2021 Corolla.

[@1337Lurch]

Coming from one of your targeted audience members, this was EXTREMELY helpful! Thank you SO MUCH for this concise and straightforward piece of practical advice!

[@DebtFreeMillennials]

You're so welcome!

[@minhuizeng6887]

I paid $414 for per month with Progressive!! I had 1 accident was my fault and 1 speeding ticket in school zoon. So what insurance company do I need to find the best lower rate insurance??

[@DebtFreeMillennials]

Holy cow that's a super high premium! I would ask Progressive how long you have to be in "good driver" status before they can lower your premium. I don't have a specific insurance company, but I used Gabi to help me identify a good deal.

[@brycesauer6000]

Tickets are huge especially speeding through a school zone. When did you have the accident and speeding ticket? Usually they will drop off at 3 years.

[@V.E.R.O.]

You're most likely paying that much because of your accident and the ticket, you're considered a high risk. After 3 years it shouldn't count against you.

[@JasonSeegmiller]

I keep hearing State Farm isn't great, so from time to time I get quotes and every time no one comes close to what I pay. Gabi had lowest quote from Traveler's for my two cars and home at $266/mo with same coverage. However, with State Farm it's $238.91/mo for the two cars, house AND a 20 year term life insurance w/rider! For those curious what the apples to apples is with State Farm it's $172.64/mo for the two cars and house (that's a difference of $93.36).

[@nargiza-ohlala]

I did the changes you mentioned and my rate went up by $152 per month! Did it happen to anyone else? Is it because I have been driving only for 2 years?

[@DebtFreeMillennials]

Oh no! Your driving history can play into your premium. Do you have any accidents or tickets on your driving record? That also can increase it. What state did you apply for insurance within? There are plenty of factors that could go into an increase. Without knowing who your insurance company is, car you drive, driving record, etc it's hard to determine.

[@Hard-Hatted]

I didn't have uninsured motorist insurance. That increased my rate over $200 per 6 month period. 😟

[@JFBERNAL1]

Excellent! She proved that you don't have to be a licensed insurance consultant, agent or broker to make sense.

[@DanielG2022]

Im 18, just bought a car. Where should i start? Video is very informative :)

[@DebtFreeMillennials]

You should start by figuring out how much car insurance you need. Just follow the steps in this video! LMK how much your premium is and what kind of car you drive.

[@ttman6197]

Am 23 and now am getting the hang of it and thanks a lot am gonna use this information for my mom and me I’ll be educating her

[@24POWERS]

My car insurance is more than my paycheck

[@kalpanasapkota542]

Halloffame P my too

[@benhoganjr]

then you need to shop your insurance

[@phillipslife8716]

Stop getting tickets and accidents

[@chasephillips5576]

Phillip’s Life sometimes it’s not even like that man I’ve never had an accident nor a ticket and my insurance is 600 a month for the lowest full coverage you can get she has it so cheap cause she is a female! Males don’t get rates like that until at least 26

[@claysoggyfries]

Sell your car or get a cheaper one

[@marcelodietrich8674]

FANTASTIC video! Thorough & clear breakdown. VERY beneficial! THANK YOU!!!

[@hillg7524]

We need the like and dislike count on videos again !!! lol

[@MySnoopy2000]

Great video. Simple and concise. I just saved increased all my liabilities while saving money. Thank you!