Three Signs You Are Paying Too Much For Auto Insurance

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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Even with all the innovations in the automobile insurance industry over the last decade, people are still somehow finding ways to pay too much for their auto insurance. Are you paying too much for your insurance coverage? If these three signs below sound familiar, chances are you losing money that you don’t need to be.  Read our three signs below and then check out our recommendations for ways you can start saving on your premiums.

three signs you are paying too much for insurance

1) You Haven’t Updated Your Policy in 6+ Months

If you haven’t checked out the most recent coverage rates and features, there’s a good chance you’re overpaying for your auto insurance. Before ever renewing a policy, you should always check and see if there are any companies offering more competitive rates.  Always being up-to-date on the current prices and deals out there is very important if you want to get the best rates possible.

You don’t necessarily need to switch insurers every 6 months, but at the very least, you should be looking for other offers and deals.

And what is the best way to look for these offers and deals? A great place to start is right here at There’s a place to enter your zip code at the top of this page. After clicking the “get quotes” button, you’ll get back quotes from dozens of the most reputable auto insurance providers. You can then compare these quotes with your current rates to see how well your current policy stacks up in terms of coverage and price.

Enter your zip code below to view companies that have cheap auto insurance rates.

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2) Hidden Fees and Conditions

All relationships, whether professional or personal, rely heavily on trust between the two parties involved. When signing on to a new policy it is important that you fully understand the conditions of your coverage.  (A good place to start is our article on the “fine print” of an insurance policy.)

If you keep seeing additional charges on your bill, things like convenience charges, claim fees, etc., you’re probably paying more than you need to. These fees are excessive and can build up fast. If even after calling and complaining, your insurer still refuses to drop these fees, it may be time that you take your business elsewhere.

3) Poor Customer Service and Unhelpful Claims Officers

No matter how great of a deal you think you got on your auto insurance, if the service isn’t absolutely phenomenal, you’re paying too much for your coverage. We rely on our auto insurance companies and their employees at some of our most desperate times, so if the service isn’t great, things can get frustrating. I can tell you from personal experience that when insurers and claims officers make you jump through hoops to get a claim settled, it can be quite infuriating.

Although auto coverage is almost always required by state law, the real reason we get insurance is for peace of mind and convenience. When you have the misfortune of working with a company that doesn’t offer either, you’ll agree that any rate is too high to pay for such a low-quality service.  Do your research on the different auto insurance companies out there.  Read customer reviews and complaints.  Customer service may be the most important thing when it comes to insurance coverage, so it’s best to make sure you are being treated perfectly.

What Can You Do To Pay Less For Auto Insurance?

If any of these 3 signs sound familiar to your specific situation, you should absolutely see what other insurers have to offer. You may be surprised by just how much money you can save.  To get started, why not try our quote comparison tool to get an idea on what you could be paying?  Scroll up to the top of this page to begin.  To continue researching elsewhere, check out some of these articles on other sites:

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