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An hour shopping for car insurance saved me $110, and it was worth it



  • I spent an hour shopping for car insurance, and that 60 minutes saved me $110. 
  • Getting quotes from five different car insurance companies helped me to compare costs and find the best coverage, though I still paid more than I hoped to. 
  • My quotes ranged from $1,267 for six months to over $2,000. Because every car insurance company prices their policies differently, there can be big differences in what even one person will pay between companies. 
  • Read more personal finance coverage.

I write about car insurance often, so for me, shopping around is essential. I spent about an hour shopping around for the best rate, and I’m glad I did. 

My current insurer, Progressive, had raised my quote by about $300, up to $1,377 for six months, though there have been no changes with my driving record. I had a policy with coverage limits of $25,000 bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage (often written as $25/$50/$10) for my 2015 Chevrolet Volt in Seattle, Washington.

For my previous six-month policy, I paid $1,080, including a renters insurance policy. With my new car insurance, I’ll be paying $110 less.

My car insurance is high because I have accidents on my record

I know my my insurance is incredibly high. Though I have a pretty good credit history, I’m still relatively young. And, I’ve got some history: A year ago I was in a not-at-fault-accident with a driver who lost control on a snowy highway in Kentucky (yes, not-at-fault accidents can raise your insurance premium). And, about four years ago, I was in an at-fault accident in Georgia.  

According to insurance comparison site The Zebra, accident surcharge periods can last between three and five years. Since I’m in that period with the at-fault accident, I tend to shop around every six months. 

Additionally, my insurance prices have increased significantly since I moved from Ohio to Seattle, and I try to cut that cost by shopping around. So, I sat down with a cup of coffee one morning and got five quotes. This hour ended up saving me $110, though I still paid more than I hoped. But, even so, I can’t recommend this process enough to anyone getting car insurance. There’s a lot that goes into pricing car insurance premiums — don’t let one company’s formula cost you more than you need to pay.

Here’s what my shopping process looked like, and how I came to find the best deal for me. For all of these policies, I chose a $25/$50/$10 policy, or $25/$50/$15 when available, with a $500 deductible. I also opted for comprehensive and collision coverage. 

I started with a number in mind to beat: the $1,080 that I paid for my last 6-month policy 

I didn’t want to pay more than I paid last time. Since Progressive had raised its rates for me, I went to get a quote from State Farm. Consumer Reports data shows that State Farm is one of the more affordable car insurance companies in Washington, so I figured I’d give it a shot. 

State Farm quoted me $1,267 for six months. That was the new number to beat, though it was still more than I actually wanted to pay. This quote from State Farm for a comparable $25/$50/$10 policy was over $100 cheaper than Progressive’s, but that still seemed high. 

A few minutes filling out information with GEICO, and I was quoted $1,338 for six months of a comparable policy. That’s just a few dollars less than Progressive’s quote, and higher than State Farm’s. I kept shopping. 

I tried Seattle-based insurance company Safeco next. I got a quote online with Safeco, which became the new winner. However, Safeco doesn’t allow customers to buy policies online. So, I called to get the policy on Monday morning. But, their online quoting didn’t ask much about driving history, which meant that they ended up quoting me quite a bit more, bringing the total to over $1,800. Needless to say, that wasn’t the quote I went with. 

The company that’s cheapest on average was the most expensive for me

I tried getting a quote from Farmers, and it showed me just how important shopping around can be. What was supposed to be one of the cheapest car insurance companies in my state was actually the most expensive for me. Car insurance pricing is incredibly individual. While Farmers is typically the third-most affordable company in Washington, it was actually the most expensive for me. Farmers quoted me over $2,000 for six months of coverage with a similar $25/$50/$15 policy. 

Every car insurance company takes a different look at factors like driving history and credit scores. They all weigh these factors differently, and that influences the premiums. Just because it’s typically cheaper in Washington doesn’t mean that it always will be, and in this case, that was true. 

Lastly, I wanted to try a pay-by-mile insurance company, so I tried Metromile. I live in Seattle, and I walk most places, so I don’t drive every day. I thought that would be an interesting option to try, given that I don’t commute. But, Metromile’s quote was still $1,148 for a $50/$100/$25 policy based on 800 miles per month, about $118 cheaper than State Farm’s unlimited mile coverage. 

As I started learning more about how it worked, though, I wasn’t sure that the billing structure would be right for me — with this system, the more you drive, the more you pay. Since I don’t commute in my car and mainly use it to go out of the city, I never know how many miles I’ll actually put on it. I’m planning on taking a few weekend road trips in the spring, and I don’t want those miles to end up costing me more. I decided this probably wasn’t the right route for me, given that the cost difference wasn’t all that huge. 

Ultimately, I ended up going with State Farm

I’m glad I decided to shop around, because that hour I spent actually did help me save about $110. 

Car insurance policies are truly individual, and every one costs each person a different amount. Your driving history, financial information, and more can all really impact what each company will quote you. And, you likely won’t know until you’ve gotten a few quotes and compared them. 

You’d shop around for anything else you’d buy, and I’m a firm believer that car insurance should be no different.

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Conor McGregor hugged ‘Cowboy’ Cerrone’s grandma after his knockout win



  • Conor McGregor dominated in his return to UFC action on Saturday night, knocking out veteran fighter Donald “Cowboy” Cerrone in just 40 seconds.
  • After the fight, McGregor was quick to show respect to Cerrone, going in to hug his fallen opponent, as well as his grandmother, who had entered the ring for support.
  • Fans on Twitter expressed excitement to see McGregor showing love to the legendary fighter.
  • Visit Business Insider’s homepage for more stories.

Conor McGregor made a statement in his return to UFC action on Saturday night, knocking out veteran fighter Donald “Cowboy” Cerrone in just 40 seconds.

McGregor charged right at the opening bell, and after missing a rocket of a left hand, clinched Cerrone and beat into his nose with his shoulder. After connecting with Cerrone’s jaw with an impressive kick, McGregor sent his opponent to the ground and finished him off while some fans were still chewing their first bite of popcorn.

While McGregor has been disrespectful of some opponents in the past after his thunderous knockouts, he was quick to show love to Cerrone after his victory.

With 34 UFC bouts under his belt and a record 16 UFC finishes to his name, Cerrone is a legend of the sport. McGregor acknowledged as much after his knockout win, rushing over to hug his opponent.

McGregor’s lovefest didn’t stop there, as he also gave Cowboy’s grandmother, Jerry Cerrone, a big hug in the ring as she entered to support her grandson.

On Twitter, fans loved the interaction.

While the amount of respect McGregor shows in his next fight will largely depend on his opponent, it’s clear fans were excited to see the Irish fighter back in action on Saturday night.

Dan Bilzerian lost a monstrous pile of cash betting against Conor McGregor

A 21-year-old American’s dream of becoming the UFC’s youngest-ever champion was crushed by a classy flyweight veteran in a brutal and bloody win

How Conor McGregor went from Dublin plumber to the king of combat sports

An American southpaw knocked his UFC opponent down with a crafty left hand, held him down with one fist, then punched him 11 times while he lay defenseless on the canvas

Photos show how Conor McGregor’s body has drastically changed as he’s accelerated through the UFC

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Trump legal team official response calls impeachment case ‘dangerous’



  • President Donald Trump’s legal team argued in a six-page letter that House Democrats’ articles of impeachment were a “dangerous attack.”
  • The letter was the first formal response to the House’s two impeachment charges: abuse of power and obstruction of Congress.
  • The letter revealed the strategy Trump’s legal team will use in the Senate trial beginning next week, arguing that the articles of impeachment don’t include any criminal actions.
  • Visit Business Insider’s homepage for more stories.

President Donald Trump’s legal team issued its first formal response to the House Democrats’ articles of impeachment on Saturday, calling the case a “dangerous attack on the right of the American people to freely choose their President.”

Trump faces two impeachment charges: abuse of power and obstruction of Congress. The charges are based on allegations that Trump withheld military aid from Ukraine after urging its president to investigate Trump’s political rival, former Vice President Joe Biden.

The White House’s six-page formal response called the charges “an affront to the Constitution of the United States, our democratic institutions, and the American people,” lambasting the House impeachment proceedings as a “rigged process” conducted by vengeful Democrats.

“This is a brazen and unlawful attempt to overturn the results of the 2016 election and interfere with the 2020 election — now just months away,” the letter said. “The highly partisan and reckless obsession with impeaching the President began the day he was inaugurated and continues to this day.”

U.S. President Donald Trump speaks as he welcomes the 2019 NCAA National Championship Football team the Louisiana State University Tigers to the White House in Washington, D.C., U.S., January 17, 2020. REUTERS/Leah Millis

U.S. President Donald Trump speaks as he welcomes 2019 National Championship Football team the Louisiana State University Tigers to White House in Washington

The letter also revealed the strategy Trump’s legal team will be adopting — mainly arguing that the articles of impeachment don’t include any criminal actions and are therefore unconstitutional.

The Constitution allows Congress to remove a president from office after determining the president is guilty of “high crimes and misdemeanors,” the definitions for which have stoked much debate in recent months.

Yet the White House’s letter urged senators to reject the articles of impeachment in the trial that begins next week, arguing that both articles failed to state impeachable offenses, crimes, or violations of law.

“They are defective in their entirety. They are the product of invalid proceedings that flagrantly denied the President any due process,” the letter said. “They rest on dangerous distortions of the Constitution that would do lasting damage to our structure of government.”

Also on Saturday, House impeachment managers filed a 46-page trial memorandum arguing that Trump “abandoned his oath” by using “his official powers to pressure a foreign government to interfere in a United States election for his personal political gain,” and must be pulled from office.

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Police called after Target manager refuses to sell 1 cent toothbrush



  • A man claiming to be an award-winning journalist churned up viral outrage after he says he called the police on a Target manager who refused to sell him an electric toothbrush for 1 cent.
  • David Leavitt tweeted a photo of the Target manager, a display that advertises an Oral-B Pro 5000 toothbrush for $0.01, and a screenshot of Massachusetts law dictating that stores must sell items for the lowest price indicated on a sign or advertisement. 
  • A GoFundMe started by a third party has raised more than $16,000 so far for the Target manager, who has only been identified as “Tori” – but the GoFundMe account owner has yet to track down the real Tori, so it’s unclear where the money will actually go. 
  • Leavitt, who also claims he plans to sue Target, is verified on Twitter and says he has bylines with CBS, AXS, Yahoo, and the Examiner, but his journalism credentials are questionable and he’s repeatedly gone viral for outrageous, offensive tweets. 
  • Visit Insider’s homepage for more stories.

A self-identified “award-winning multimedia journalist” became the target of outrage on Twitter after he posted a picture of a Massachusetts Target manager and claimed he called the police on her because she wouldn’t sell him an electric toothbrush for one cent. 

David Leavitt, who is verified on Twitter, tweeted pictures of “Tori” the store manager, a display for an Oral-B Pro 5000 toothbrush with a price tag for $0.01, and a screenshot of a webpage about the Massachusetts Item Pricing Law, which requires that stores sell items at the lowest price indicated on a sign or advertisment.

That law also states that if there is a discrepancy between the price listed on the shelf and what the item rings up as, the customer should be given a $10 deduction from the lowest advertised price. Leavitt went on to claim that Target “refused” to sell him the toothbrush and so he called the police.

Leavitt then tweeted that the police “verified” that the price of the toothbrush was listed as $0.01 and that “Tori refused to sell me the toothbrush for the displayed price.” He said the police “said I need to sue them” and that they would make a report of the incident to “take to court.”

david leavitt twitter

A screenshot of the original tweet posted by David Leavitt.


“Corporations like @target are not above the law,” Leavitt tweeted. “The police officer told me they’d testify that they saw the price and that the manager wouldn’t sell me the item for the price listed.” 

Most of the angry responses to Leavitt’s tweet criticized him for blaming the store manager and for posting a photo of her. A GoFundMe was started by a third party on behalf of “Tori” called “Send #TargetTori on a Vacation” and has since raised more than $16,000. 

Many aspects of the viral moment are questionable, from the GoFundMe to Leavitt’s journalism credentials

Leavitt didn’t immediately respond to Insider’s request for comment, and didn’t provide any evidence of his encounter with the police or the report he says the police officers made on Twitter, so it’s unclear if he really called the police. 

Additionally, he wrote in a follow-up tweet that “I have not been able to afford to go to a dentist in over three years. So yes I wanted a good toothbrush and was thrilled to see such an amazing prize on an @OralB but @target refused to honor it and now I have to take them to court.”

Other Twitter users pointed out that Leavitt tweeted “#YouAreWinningWhen you get the dentist’s office waiting room to turn off Fox News” on April 24, 2018, contradicting his claim that he hadn’t been to a dentist in over three years. 

Leavitt’s bio on Twitter is also questionable. He claims to be an “award-winning multimedia journalist” with bylines at CBS, AXS, Yahoo, and the Examiner – but he has repeatedly gone viral for outrageous, offensive tweets, and both CBS and AXS have tweeted that he is not affiliated with them.

He appears to have been a freelancer at one point, and a screen capture on the internet archive the Wayback Machine shows he authored at least one post for AXS in 2014, but his author page has since been removed from the website. 

When Leavitt last went majorly viral, it was because he tweeted “The last time I listened to Ariana Grande I almost died too” the day of the Manchester Arena bombing at a Grande concert that left 23 people dead. After that tweet received media attention for the backlash it sparked, both CBS and AXS disavowed him.

david leavitt ariana grande tweet

A screenshot of another David Leavitt tweet that went viral for sparking outrage.


The only other recent writing Leavitt seems to have done is for his own blog, LuvItOrLeavitt. On his Muck Rack page, a site that collects journalist’s clips, most of the articles that appear to be authored by him are not actually written by Leavitt. Some are written by or are about the author David Leavitt, who is a different person. 

Additionally, the GoFundMe started on behalf of the manager “Tori” is not actually linked to the Target manager herself. Despite quickly raising more than $16,000 at the time of publication, the GoFundMe was started by someone who has yet to establish communication with the real “Tori,” so the money will actually go to the third party. 

The name of the GoFundMe account raising money is Carpe Donktum, who is a semi-prominent pro-Trump meme creator. They have over 200,000 Twitter followers, and used the platform to raise money for “Tori” quickly.

An update posted by Carpe Donktum, who didn’t immediately respond to Insider’s request for comment, says “I am in the process of tracking her down to discuss how to transfer the funds.” On Twitter, Carpe Donktum also said they believe they have made contact with “THE TORI” and is working to confirm her identity. 

“You don’t know me, but many others do, and I hope they would say I have built my reputation as an honest person with integrity,” the account replied to someone asking how donators know the money is really going to “Tori.”

Target didn’t immediately respond to Insider’s request for comment. 

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