How AiM Saved Our Client $1,500 on Car Insurance

The starting point

The Reyes family came to us in February. Two parents, two teen drivers, three vehicles — a 2019 Honda Pilot, a 2017 Subaru Outback, and a 2014 Toyota Corolla used by their oldest at college. Their renewal notice had jumped from $4,210 to $4,820, a 14.5 percent increase with no claims, no tickets, and no household changes.

What we found

Their carrier had quietly re-tiered them after a state-wide loss-cost adjustment. The Corolla — driven less than 4,000 miles a year — was rated as a daily commuter. Both teens were rated against their highest-cost vehicle instead of the lowest. And the family was carrying 100/300/100 liability with comp-and-collision deductibles of $250, the carrier's most expensive default tier.

The negotiation

We pulled three competing quotes from carriers we knew were aggressive in Travis County for multi-vehicle households. Two of them — once we corrected the usage classification on the Corolla and reassigned the youngest driver to the Outback — came in dramatically cheaper. We then went back to the existing carrier with those quotes and a written request for a re-rate. They matched within $90.

The outcome

Final premium: $3,310 a year, same 100/300/100 limits, same $250 collision deductible, same roadside and rental coverage. Annual savings: $1,510. Same carrier, same policy number, no lapse, no DMV paperwork — just a corrected usage classification and a competitive quote in writing.

Why this works

Carriers will re-rate existing customers when shown evidence that they're losing the policy to a competitor. Most drivers never ask. The Reyes family had been a loyal customer for nine years. Loyalty, in auto insurance, is rarely rewarded — it's usually priced.