How Much Car Insurance Do You Need | 4 EASY STEPS

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Are you confused about car insurance? Did you select the same coverage as what your parents had because, idk it’s confusing as heck? In this video, I’m going to walk you through the exact steps to figure out how much car insurance you need. Spoiler alert: you have the potential to save big money so stick around.
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0:00 - Confused about car insurance?
1:25 - 3 types of car insurance
1:40 - Liability insurance
2:22 - Comprehensive coverage
2:44 - Collision insurance
3:33 - What if I have a car loan?
3:56 - How to determine how much car insurance I need
4:40 - Example of my car insurance
6:50 - Important note you can't ignore!
8:19 - Changing the collision deductible
9:31 - Why changing the deductible changes your premium
10:30 - Get multiple car insurance quotes
11:05 - Useful tool for car insurance quotes
12:22 - Optimize your car insurance coverage
14:00 - How your driving history impacts insurance
15:15 - Recap
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Disclosure: Links contain affiliates. When you buy through one of my links, I will receive a commission. This is at no cost to you and helps support my channel! Justine Nelson is not a licensed car insurance agent. This video was provided as an educational resource to help you understand different types of car insurance.
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Опубликовано:

7 авг 2024

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Комментарии : 987

@bgaripov 5 лет назад

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 4 года назад

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 4 года назад

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 4 года назад

That's why I pinned your comment.

@phillipslife8716 4 года назад

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 4 года назад

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

@apostleemilcedeno5269 Год назад

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 Год назад

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

@apostleemilcedeno5269 Год назад

@@DebtFreeMillennials Will do.

@2_572 Год назад

@@apostleemilcedeno5269 did you save? Lol

@apostleemilcedeno5269 Год назад

@@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.

@afroshark2799 Год назад

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!!

@Mel-qp4vq 3 года назад

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

@michellebaltazar127 5 лет назад

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

@DebtFreeMillennials 5 лет назад

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 5 лет назад

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

@richardpanini971 4 года назад

Michelle Baltazar yeah same here

@Pinkielover 3 года назад

46 still learning

@ohemmaAna 3 года назад

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

@feliciagray9631 4 года назад

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 4 года назад

Yay! So glad it helped.

@alymj3304 5 лет назад

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

@DebtFreeMillennials 5 лет назад

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!

@hectormena3769 4 года назад

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 4 года назад

What are you getting

@geoffreyturnbull8423 5 лет назад

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 5 лет назад

Oh wow, thank you!!

@yourshyness32 5 лет назад

I agree!

@TheJoan48 Год назад

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!

@thelazerprinterguy5496 2 года назад

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!!

@SuraDoes 3 года назад

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 5 лет назад

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

@DebtFreeMillennials 5 лет назад

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

@Inari007 3 года назад

@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.

@irynapereverzieva9750 2 года назад

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

@itstamiana 4 года назад

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

@DebtFreeMillennials 4 года назад

I'm so glad!

@tomjones2348 Год назад

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.

@LivingLexiKing Год назад

This was super helpful and exactly what I was looking for. Thanks for taking the time to explain!

@atniem684 3 года назад

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!

@Caitrateka 4 года назад

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

@DebtFreeMillennials 4 года назад

Glad it was helpful!

@solomonmartinez5550 Год назад

This is an absolutely amazing video! Thank you so much for this! I was so annoyed trying to figure this stuff out so I’m glad to have someone’s input who knows what they are talking about.

@steviesoliloquy 3 года назад

Great video for Intro to Car Insurance!! Thanks so much for this! Well done :)

@AliciaDoes 5 лет назад

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

@DebtFreeMillennials 5 лет назад

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

@nenavasquez6050 4 года назад

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 4 года назад

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

@willkitching6795 3 года назад

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

@adamtorres9599 2 года назад

Thank you soooo much!! This was so helpful! I had no idea what coverage to get and you cleared it all up! Thank you again for the great video! :)

@tiffanya8972 3 года назад

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 3 года назад

OMG awesome! so glad to hear it!!

@ashleyb420 4 года назад

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

@DebtFreeMillennials 4 года назад

Glad to help!

@marciakeilee1336 Год назад

Thank you so much! I am buying car insurance today and this is so helpful!!! Clear, bright- love the notes and time stamps! I feel much better about choosing the insurance now.

@cyberponiez Год назад

your videos have been the only ones to make any sense to me. you helped so much, thank you!

@mdn459 4 года назад

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

@DebtFreeMillennials 4 года назад

Thank you!!

@XtremeSportX247 2 года назад

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

@QuesttoFIRE 5 лет назад

Excellent timing- have to pay mine next month!

@Bear_Hoffman 3 года назад

This video was incredibly insightful and gave me an excellent start to looking for auto insurance.

@pinkdiscomosh2766 3 года назад

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 3 года назад

you're welcome!

@jesspascale 3 года назад

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 3 года назад

SO happy to hear that, Jess!!

@LeilaLaughsAlot 3 года назад

This video was really helpful cause I’m oblivious to this And I want to start driving and getting insurance I wanna get the the best deal but also the best in the long run this really helped thank you 💕

@jamespele4905 4 года назад

You're awesome! I've been looking for this for years.

@dipsy552 4 года назад

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 4 года назад

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!!

@eddiealvarez3912 4 года назад

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 4 года назад

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

@caseythornton7153 3 года назад

Thank you for these tips 🙏🏼 This was super helpful.

@catalinasalazar755 2 года назад

Helpful !!! Thank you for making this easier to grasp. Made notes and going to try Gabi now.

@astarr99 4 года назад

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 4 года назад

Yay! I'm glad you found it helpful 🙂

@nicholasnoriega1205 4 года назад

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

@DebtFreeMillennials 4 года назад

Awesome, thank you!

@clementpascal8797 4 года назад

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 4 года назад

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

@thinkertoo2995 Год назад

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

@lydiayang3187 4 года назад

This is really concise and helpful! Thank you!

@DebtFreeMillennials 4 года назад

You're welcome!

@cameronamano6748 2 года назад

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 2 года назад

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

@Jonathan-qz9td Год назад

So helpful, thank you so much!! This is my first time getting car insurance and this video made things less confusing for me :)

@peterandjoycevanbreemen600 5 лет назад

Very helpful. I will say more later when I finish listening to another video and actually doing this.

@lifeofmike556 2 года назад

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 Год назад

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.

@filit080410 4 года назад

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 4 года назад

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 4 года назад

Agree it’s so confusing to do anything

@lorilummen-kia1844 4 года назад

Yes! Thank you. I appreciate your explaining this confusing issue so simply. You've been a great help.

@DebtFreeMillennials 4 года назад

Glad it helped!

@vanlimma7100 4 месяца назад

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.

@insuranceagentwestchesterp5863 4 года назад

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

@DebtFreeMillennials 4 года назад

Thanks!

@ChainRiders1969 4 года назад

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 !

@SchoolofPersonalFinance 5 лет назад

Nice Video!! It is so important to understand this stuff!

@yennycoilz8643 3 года назад

Thank you soooo much for this, ive been looking into new insurances and I had no idea what to look for. You’ve gained a new sub, thanks again.

@DebtFreeMillennials 3 года назад

You are so welcome!

@WeSpeakFootball 4 года назад

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

@DebtFreeMillennials 4 года назад

You're so welcome!

@DailyModernReels 3 года назад

its not

@blancher11 3 года назад

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

@1badcrow463 3 года назад

Here in Alberta Car insurance is legalized EXTORTION !

@Michael-jt7gb 11 месяцев назад

@4everskiing 4 года назад

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 4 года назад

I'm so glad you found it helpful!

@mrugank2110 3 года назад

This is exactly the kind of information I was looking for. Thank you so much!

@DebtFreeMillennials 3 года назад

You're so welcome!

@elijahdixon8106 3 года назад

Thank you. I've been driving without insurance for a while because I just didn't understand it at all. Thanks for explaining it for us!

@emilyrowley1703 4 года назад

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

@DebtFreeMillennials 4 года назад

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 4 года назад

I'm almost 19, this really helps!

@earthangel.k 3 года назад

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 3 года назад

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!

@nikeraikage5318 3 года назад

Great video! Never knew this stuff. Literally searched “how to pick car insurance” and you popped up. Thank you!

@MySnoopy2000 2 года назад

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

@ThinkInsurance 5 лет назад

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 5 лет назад

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 5 лет назад

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 4 года назад

@@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.

@galush8975 4 года назад

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 2 года назад

Damn good questions!!

@arthurspooner36 5 месяцев назад

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

@ImaRedhead-hg1lt Год назад

This video is so helpful 😍🙏 It made choosing car insurance much easier!

@thomasdelaney8117 Год назад

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

@Henry.P Год назад

Orlando here, I agree.

@jasoncastaneda1942 5 лет назад

Thank you for teaching me about car insurance

@DebtFreeMillennials 5 лет назад

You're welcome! Glad the video helped.

@mountshine13 Год назад

Awesome. Definitely worth watching your video, and your tips will definitely help save money for consumers.

@titisssssssable 4 года назад

Thank you so much! This information has been so helpfull

@ImNotLadyImBoyImLadyboy 3 года назад

what went from watching random videos on youtube at 2 am, went to getting my notebook and pen out to write notes. i’m 20 years old and still don’t know how to adult. i wish i was taught this kind of stuff in school instead of taking classes for coding or film in which i absolutely never needed

@blakeaddib 3 года назад

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 3 года назад

I'm so glad this helped!

@energysavingss 4 года назад

Your video was very clear. Easy to follow. Good that you summarized the key point after each section and at the end. You made a good job at making it simple. Thx

@DebtFreeMillennials 4 года назад

Glad you enjoyed it!

@ryanlaseter7626 3 года назад

Wonderful video, really appreciate this!

@GodBlessHipHop 4 года назад

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 4 года назад

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

@machintelligence 3 года назад

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 2 года назад

Very good info !

@lr3325 3 года назад

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

@idontknowwhatnametoputhere7809 3 года назад

54??? Are you single? 😍

@zeethree 2 года назад

So helpful and easy to understand. Subscribed!

@christhoreson5687 4 года назад

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

@DebtFreeMillennials 4 года назад

Thank you so much!!

@hillg7524 9 месяцев назад

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

@tammya3140 2 года назад

Thank you so much for explaining and simplifying car insurance. I've always wanted to know what exactly the crap I was paying for and you explained it beautifully! Wisdom is priceless!!! Thanks again!

@DebtFreeMillennials 2 года назад

You're so welcome!

@Phantazmay 3 года назад

Well informed. Great video. You saved me a lot of time. Thanks.

@nargiza-ohlala 5 лет назад

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 5 лет назад

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 4 года назад

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

@DanielG2022 4 года назад

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

@DebtFreeMillennials 4 года назад

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.

@BROVIBRATIONS Год назад

Thank you! You broke it down easy to understand. :)

@enjoyxfreedom6684 7 месяцев назад

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

@minhuizeng6887 5 лет назад

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 5 лет назад

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 4 года назад

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. 4 года назад

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.

@24POWERS 5 лет назад

My car insurance is more than my paycheck

@kalpanasapkota542 4 года назад

Halloffame P my too

@benhoganjr 4 года назад

then you need to shop your insurance

@phillipslife8716 4 года назад

Stop getting tickets and accidents

@chasephillips5576 4 года назад

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 4 года назад

Sell your car or get a cheaper one

@willthethrill4030 2 года назад

Hey thank you so much for making this video I feel much more confident in knowing what to look for when shopping for car insurance! Appreciate you!

@DebtFreeMillennials 2 года назад

Glad to have helped!

@brigithrivas40 3 года назад

Excellent video. I like that you included a summary at the end. Thank you!

@DebtFreeMillennials 3 года назад

You're very welcome!

@mr.boostang2064 5 лет назад

Basically that $1000 deductible is telling the insurance company you are willing to fix minor fender benders out of your own pocket. Get a $100 deductible and your telling them your gonna call them for a parking lot door dent 😂

@DebtFreeMillennials 5 лет назад

OMG yes that's so true!!