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The original was posted on /r/lifeprotips by /u/Icy_Television_8823 on 2025-12-21 17:13:09+00:00.
I always thought autopay was the responsible thing to do. Set it and forget it, right? I haven't looked at my actual car insurance statement in probably two years because the money just pulls automatically.
I started using a finance monitoring tool recently just to clean up my digital clutter, and it flagged a "significant price increase" on my policy.
I looked into it. My rate had crept up from $110 to $145 over the last 18 months. No accidents, no tickets. Just what they call a "rate adjustment." basically, they raise the price slowly hoping you are too lazy to switch.
Because the app flagged the specific increase percentage, I called them out on it. I shopped around and found a new policy for $95.
Don't let autopay make you blind. These companies bank on your inattention. Get a tool that scans for price hikes or set a calendar reminder to check the actual PDF statements every few months. It saved me like $600 a year.