Covered Egg
Covered Egg
Auto rates move constantly — by ZIP, by model year, by the month a carrier decides to re-rate a whole state. Every one of those changes is filed with a regulator before it reaches your renewal. We parse those filings so you can see who is raising rates, where, and by how much, ahead of the notice in your mailbox.
Insurers price you partly on a credit-based insurance score, but in most states the law only makes them refresh it once every three years. If your credit improved after you bought the policy, you can spend years paying a rate built on the old you — unless you use a little-known right to demand a re-rate once a year.
Read →Auto and home insurers increasingly price loyalty as a cost — your tenure becomes a rating input that pushes your renewal up, because customers who have stayed for years are less likely to leave over an increase. Switching these policies is cheap and frictionless, which is exactly why shopping defeats it.
Read →Tell us your carrier and state and we will notify you the moment they file a new rate change with your regulator.
Before you go
Insurers must file rate changes with state regulators, typically months before they take effect. Pick your line and carrier to see what’s already on the docket.