Believe it or not, the time of year matters. Studies show that December and January are often the cheapest months to buy a new policy. Why? Because fewer people are buying cars or driving, so insurers lower rates.
On the flip side, summer (especially July and August) tends to be pricier. More young drivers, more road trips, more… questionable decisions in convertibles. If you can, plan your renewal to land in the off-season.
Weekday vs. Weekend: Yes, It’s a Thing
Want to save a bit more? Aim to shop for quotes on a Tuesday or Wednesday. Insurers run new data batches mid-week, and rates can dip slightly. Sunday night? That’s when everyone else is panic-shopping, so prices often creep up.
Think of it like grocery shopping: Tuesday morning at 10 a.m. is peaceful. Sunday at 5 p.m. is chaos where you end up buying weird-flavored chips. Same applies to insurance shopping.
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