How AiM Saved Our Client $1,500 on Car Insurance
A four-driver Austin family was paying $4,820 a year for the exact coverage they could get for $3,310. Here's the negotiation, line by line.
Notes from the negotiation desk: what works, what carriers won’t tell you, and how to actually pay less for the same coverage.
A four-driver Austin family was paying $4,820 a year for the exact coverage they could get for $3,310. Here's the negotiation, line by line.
Most drivers overpay because of five fixable mistakes: usage class, deductible math, coverage stacking, paid-in-full discounts, and bundling traps.
Even with a clean record, your premium climbs. The reason is rarely you. It's loss cost adjustments, reinsurance pricing, and insurer churn.
Replacement cost vs. market value, the dwelling-coverage trap, and the four endorsements most homeowners discover only after a claim.
Lay-up periods, navigation territory limits, and the survey timing trick that most owners only learn after their second renewal.
Loyal customers pay an average $890 a year more than shoppers, according to multi-state filings. Compounded, that is real money.
We pull declarations pages, run carrier-side rate comparisons, and present a written counter. Here is the actual workflow, step by step.
Minimum liability limits vary wildly by state. Here is what is actually required, what you should carry instead, and where the new 2025 rules apply.
Hull valuation methods, P&I limits, captain endorsements, and the four flag-state quirks that decide your premium more than the boat itself.
Same content carriers don't want you to know, but the real magic is letting AiM run the negotiation for you. 1100+ clients. Average savings: $1,247 a year.
Upload your declarations page in 60 seconds.
Side-by-side benchmark on your exact coverage.
We do the back-and-forth. You get the savings.
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