this post was submitted on 29 Jan 2026
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Saving money but wtf (piefed.zip)
submitted 3 days ago by sparkles@piefed.zip to c/casualconversation@piefed.social
11 comments fedilink hide all child comments
 

Recently switched a needed policy to a different company. Same policy details, $400.00 less for 6 months. They really just rely on people letting things get charged automatically. It just seems insane to me. And wastes my time having to swap back and forth. But whatever, I’ll do it.

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[–] bizarroland@lemmy.world 5 points 3 days ago

I switched my insurance about four months ago, and I thought I was getting a good deal because I had bundled my home insurance and my automobile insurance.

Since the home insurance was being paid out of my mortgage, I hadn't really looked at how much it was costing, because originally it was like $800 a year. And in the five years I've owned my home, it had ballooned to almost $2k.

All told from switching over my insurance, I cut my annual insurance cost by nearly $3,000, although some of that was from taking my 20 year old pickup off of full coverage and dropping my project Jeep from coverage while it's not currently drivable, so, once I fix the Jeep, I will end up paying more of that again.

[–] slazer2au@lemmy.world 5 points 3 days ago

My parents home insurance dropped by half when they changed from the big name brands to a smaller but still well known brand.

They were with the big name insurance for like 20 years.

[–] voracitude@lemmy.world 5 points 3 days ago

Welcome to the efficiency of capitalism!

[–] Today@lemmy.world 4 points 3 days ago (1 children)

Insurance? Definitely! I know i could save money by changing but i also know that it will require at least three phone calls.

[–] sparkles@piefed.zip 1 points 3 days ago

Yeah it definitely an effort thing..internet has been doing this too. But ten dollars didn’t make me move. I probably should tho.

[–] sbv@sh.itjust.works 3 points 3 days ago (2 children)

Shopping around for stuff can save huge amounts of money. I've really noticed that with insurance.

[–] scytale@piefed.zip 4 points 3 days ago (1 children)

Yeah it’s such a hassle to shop around but it does save money. And not just money too. When I first shopped around after my first year of home ownership, that’s when I realized my coverage for anything inside the house was for current value. I switched to another provider that had better coverage (brand new value) which raised my premium, but the auto bundle greatly reduced my car insurance. So at the end of the day I’m paying a little lower but with better home coverage.

[–] sbv@sh.itjust.works 4 points 3 days ago

I've found that most insurers seem to hide their policies behind application forms. You need to apply in order to find out what will be covered and what it'll cost. It's a few hours of work, but it pays off.

[–] sparkles@piefed.zip 2 points 3 days ago

The sad part is I wouldn’t have noticed a little increase most likely. $400 with no incidents? The audacity.

[–] DeathByBigSad@sh.itjust.works 1 points 2 days ago (1 children)

My mom keeps switching banks to get the signup bonus lol. Like you could do it once every 12 months for each bank.

[–] sparkles@piefed.zip 2 points 2 days ago

Your mom has more energy than me. I get tired just thinking about swapping accounts over and over.