Let's face it car insurance is costly. On top of that, auto insurance regularly creeps up and increases in cost if you're a good driver or not. I'm writing this article to expose auto insurance problems and help you save money. This isn't a post about selling anything to you, only to bring to light what you need to do in order to get the best rates.

Benefit of Changing Car Insurance

Let me tell you; I learned a harsh lesson in my mid-20s with car insurance. I had the same auto insurance for a little over ten years, and I thought it was getting a good deal. Little did I know I was literally the person that could "save $600 a year on car insurance."

I had a friend tell me how much they were paying and I was shocked how little he was paying. I just thought I had to go through the right of passage as you enter the driving universe that you just had to pay high rates. While having a phone call with my auto insurance agent, I asked why my rates were so high, and I was told something that made me never want to be loyal to any insurance company again.
 
My insurance agent said to me, "it's like your cable company; you probably should change every two years." I stood there with Pikachu's surprised face for a solid 15 uncomfortable seconds of silence; then, I promptly asked them to cancel my policy on the spot.  

You heard it, folks; it'll benefit you around 2-year mark to change your car insurance policy from the mouth of an insurance agent. If you've been with your auto insurance company for 2 years or more, it's time for you to start shopping.

I reached out to 5 different agents that day and got quotes. They had to run a soft credit check, but that was fine with me; those don't affect your credit much. The credit "dings" you get from those checks are temporary.

Save Hundreds On Car Insurance

Talking with the new agents, I halved my yearly cost and doubled my coverage. Talk about an absolute banger! Insurance companies will give you incredible rates as a new customer because most people become complacent *points to myself* when it comes to car insurance.

I'm not even going to pretend that I'm an auto insurance professional because I'm not. But I do know that if you shop around you'll be able to save money and possibly have better coverage. Even if you pay the same amount and double your coverage you're only going to be in a better position.

If you aren't on the phone by now calling new insurance agents, we are going to have a problem, especially if you've had them for over two years.
In the words of the great Arnold Schwarzenegger, "GO NOW, DO IT NOW!" Go save some money and invest those savings. Sink that saved money into an emergency fund. Whatever you do, save the dang money. My whole goal in life is to invest as much as I can so I can obtain financial independence and become a millionaire investor. Can't do that if I'm throwing my money at a company that is overcharging me. 

Here is a list of insurance rates for each state that you might find interesting for 25-year-olds. This is a list of minimum yearly coverage and max coverage. You'll be able to get an idea of what you should be spending from each state. All I can say is that I'm glad the great people of Nevada don't pay income tax. This list isn't set in stone either other things can affect the price, but it's still a good benchmark if you're wondering if you're overpaying.

State	Full coverage	Min. coverage
Alabama	$1,891	$651
Alaska	$1,886	$489
Arizona	$1,736	$687
Arkansas	$2,414	$667
California	$2,434	$775
Colorado	$2,231	$612
Connecticut	$2,474	$1,102
Delaware	$2,135	$1,077
Florida	$2,889	$819
Georgia	$2,270	$1,004
Hawaii	$1,145	$363
Idaho	$1,294	$434
Illinois	$1,843	$599
Indiana	$1,508	$506
Iowa	$1,410	$317
Kansas	$1,957	$561
Kentucky	$2,922	$1,044
Louisiana	$3,387	$1,167
Maine	$1,227	$471
Maryland	$2,338	$1,078
Massachusetts	$1,311	$480
Michigan	$2,610	$1,151
Minnesota	$1,680	$667
Mississippi	$2,038	$682
Missouri	$1,888	$594
Montana	$2,161	$481
Nebraska	$1,616	$422
Nevada	$2,939	$1,203
New Hampshire	$1,413	$513
New Jersey	$2,294	$1,004
New Mexico	$1,765	$507
New York	$2,710	$1,289
North Carolina	$1,286	$436
North Dakota	$1,499	$428
Ohio	$1,306	$469
Oklahoma	$2,106	$576
Oregon	$1,613	$777
Pennsylvania	$1,660	$518
Rhode Island	$2,431	$997
South Carolina	$2,120	$786
South Dakota	$1,658	$347
Tennessee	$1,624	$500
Texas	$2,092	$733
Utah	$1,770	$757
Vermont	$1,452	$417
Virginia	$1,757	$643
Washington	$1,462	$540
Washington, D.C.	$2,127	$876
West Virginia	$1,882	$602
Wisconsin	$1,381	$420
Wyoming	$1,556	$372

Conclusion

Don't be faithful to your car insurance as they are not faithful to you. Change it every two years.

Disclaimer: Some of this data may be about rates may not be correct, rates are subject to many variables.