The mileage on your policy is probably wrong
Annual mileage is declared once and rarely revisited. A commute that ended, a job that went remote, a second car that took over the school run: each leaves a policy rated for driving nobody is doing.
Hi, we’re Best Rate Buddy
Your car insurance price, explained like a friend would.
A premium isn’t a verdict on how you drive. It’s arithmetic on a short list of factors, and most of them are visible to you before you ever ask for a quote. We walk through them one at a time, then help you compare when you’re ready.
Free, and takes 3 to 5 minutes. Quotes come from licensed insurers and agents.
What the arithmetic uses
The factors behind your price, by weight
Some move the number a lot, some barely at all. And some you can change this week, while others only change with time.
- Claims historyAt-fault claims in the last three to five years
Heavy · changes only with time
- Where the car sleepsThe overnight zip code, not where you work
Heavy · changes only if you move
- Annual mileageWhat you declared, not what you drive
Moderate · yes, and often out of date
- DeductibleWhat you pay before coverage starts
Moderate · yes, right away
- Coverage limitsThe most the policy will pay out
Moderate · yes, carefully
- Continuous coverageWhether you’ve ever let it lapse
Quiet · yes, by never lapsing
- The car itselfRepair costs and theft rates for that model
Quiet · at your next purchase
Straight talk
Three things we’d tell a friend
A higher deductible only saves if you can pay it
Raising it reliably lowers the premium, which makes it the obvious lever. It’s only a real saving if the higher amount is money you could find the week something happens.
The cheapest quote is often a different policy
Two prices only compare if they cover the same things. A big gap usually turns out to be a lower limit, a higher deductible or a missing coverage line.
Before you shop
Compare the coverage, not just the number
Put your current declarations page next to every quote and check these, in this order. A price difference almost always comes down to one of them.
- Your three liability numbers are the same on both
- Collision and comprehensive are on both, with the same deductibles
- Uninsured and underinsured motorist coverage hasn’t quietly dropped off
- Every driver and vehicle is listed
- Your new policy starts the day the old one ends, with no gap
That last one matters more than it looks. Continuous coverage is one of the quiet factors, and a gap made while switching can cost more, for longer, than the saving that prompted it.
Ready to see what your coverage costs elsewhere?
Have your declarations page handy. Matching your current limits is the only fair way to compare prices.
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