Latest / The Table with Anthony ONeal / Your Car Insurance Company Is ROBBING You (Here's Proof)

Transcript

Your Car Insurance Company Is ROBBING You (Here's Proof) · The Table with Anthony ONeal

0:00
[SPEAKER_00]: Let me get straight to it on today's show.
0:03
[SPEAKER_00]: I am going to be exposing the one trick that saved me close to actually a little bit more than eight hundred dollars on my personal car insurance.
0:12
[SPEAKER_00]: And insurance companies are literally praying.
0:16
[SPEAKER_00]: You never find out about this what I am going to talk about today.
0:20
[SPEAKER_00]: because I want to be real with you from the very, very beginning.
0:25
[SPEAKER_00]: They've been keeping this a secret for years, making billions of dollars off people who don't know what I am about to share.
0:34
[SPEAKER_00]: And by the end of today's show, you're going to know more about how insurance companies really work than ninety nine percent of people out there.
0:44
[SPEAKER_00]: and here's the thing.
0:46
[SPEAKER_00]: This isn't just the theory.
0:48
[SPEAKER_00]: I'm going to show you the exact step-by-step process that I used.
0:54
[SPEAKER_00]: That thousands of hours in the black community have also used to cut their insurance bill in half.
1:03
[SPEAKER_00]: So, if you're tired of getting bent over by the insurance companies every six months, when that renewal comes in, I need you to stick to the end because every minute of today's show is going to be a crucial part of you getting your insurance check cut in half.
1:21
[SPEAKER_00]: This is going to change how you think about car insurance forever.
1:28
[SPEAKER_00]: Here's what's really happening out there.
1:32
[SPEAKER_00]: And when I started doing my research, I got really, really, really upset.
1:39
[SPEAKER_00]: You see, car insurance rates have jumped twenty six percent and just the last two years.
1:46
[SPEAKER_00]: Let me put that into perspective for you.
1:48
[SPEAKER_00]: The average American is now paying one thousand eight hundred and ninety five dollars per year for car insurance.
1:57
[SPEAKER_00]: That's up from fifteen hundred dollars just two years ago.
2:00
[SPEAKER_00]: So that's an extra three hundred and ninety five dollars coming out of your pocket with no accidents, no claims.
2:09
[SPEAKER_00]: Nothing has changed on your end.
2:14
[SPEAKER_00]: But here's where it gets crazy.
2:16
[SPEAKER_00]: And this is where they really get over when a lot of us.
2:20
[SPEAKER_00]: The rate increase aren't the same for everyone.
2:24
[SPEAKER_00]: If you've been with the same company for years, you're getting hit the hardest.
2:30
[SPEAKER_00]: Some people are seeing a forty percent, fifty percent, and even a sixty percent increase.
2:37
[SPEAKER_00]: I had a young lady in our community, a single mom, three kids, been with state farm.
2:42
[SPEAKER_00]: Oh my goodness.
2:43
[SPEAKER_00]: For twelve years, she was a loyal customer, never missed a payment, has a clean job in record, had no accidents,
2:51
[SPEAKER_00]: No speeding tickets.
2:53
[SPEAKER_00]: Her renewal rate came in at three hundred and forty seven dollars per month.
2:59
[SPEAKER_00]: That's over four thousand dollars a year for a two thousand eighteen hundred a court.
3:08
[SPEAKER_00]: I don't just think about that.
3:10
[SPEAKER_00]: She's driving a vehicle that is five years old and she's paying four thousand dollars a year for it.
3:21
[SPEAKER_00]: And when she calls to ask why, you know what they told her?
3:25
[SPEAKER_00]: Well, calls are going up everywhere.
3:27
[SPEAKER_00]: That's it.
3:28
[SPEAKER_00]: No real explanation.
3:30
[SPEAKER_00]: No other options.
3:32
[SPEAKER_00]: We're not going to reward you for being a loyal customer.
3:34
[SPEAKER_00]: No, just pay it or you can leave.
3:38
[SPEAKER_00]: Family, they are literally banking on your loyalty and your laziness and your fear of change.
3:45
[SPEAKER_00]: They know most people would just pay the increase, whether they're in shop around, and that's exactly how they're making real profit.
3:53
[SPEAKER_00]: Record profits.
3:55
[SPEAKER_00]: While you're struggling to pay your bills, while you're struggling to get food on your table, I'm gonna be real with you for a second.
4:04
[SPEAKER_00]: You see, we're living in a world where everybody's got advice about everything.
4:08
[SPEAKER_00]: from your finances, to your mental health, and even down to your relationships.
4:13
[SPEAKER_00]: But here's the thing, how do you know what actually works specifically for you?
4:18
[SPEAKER_00]: If I'm being vulnerable, I've been there.
4:21
[SPEAKER_00]: Scrolling through endless tips and tricks on Instagram and listening to
4:25
[SPEAKER_00]: relationship experts who are single on clubhouse, building more confused than when I started.
4:31
[SPEAKER_00]: That's why I started therapy with better help.
4:33
[SPEAKER_00]: Fam, that got to be honest.
4:35
[SPEAKER_00]: It was the best decision I ever made.
4:36
[SPEAKER_00]: You see, better help isn't just some app.
4:38
[SPEAKER_00]: They've got over thirty thousand licensed professional therapies who actually know what they are doing.
4:44
[SPEAKER_00]: And with a four point nine out of five star rating review from over one point seven million different people, it's clear that this actually works.
4:54
[SPEAKER_00]: And here's what I love.
4:55
[SPEAKER_00]: You can literally hop on a session from anywhere.
4:57
[SPEAKER_00]: Car, your office, soccer game, wherever you need that support.
5:01
[SPEAKER_00]: And if your therapist isn't the right fit, man, this is amazing.
5:04
[SPEAKER_00]: You can switch with absolutely no drama and absolutely no hassle, whether you're dealing with relationship issues, stress, setting healthy boundaries, or just trying to level up mentally.
5:13
[SPEAKER_00]: Therapy isn't just for people with major trauma.
5:16
[SPEAKER_00]: It's for anyone including yourself who wants to become the best version of themselves, better fathers, wives, partners.
5:24
[SPEAKER_00]: Listen, my listeners get ten percent off their first month at betterhelp.com for a slash ale.
5:30
[SPEAKER_00]: Again, that's betterhelp.com slash ale.
5:35
[SPEAKER_00]: Family please, do not sleep on your mental health.
5:39
[SPEAKER_00]: You deserve that support.
5:43
[SPEAKER_00]: Now, talk to about her.
5:47
[SPEAKER_00]: Let me tell you why I know this system inside and out now and why you can trust me and about what I am about to share with you, step by step process.
5:59
[SPEAKER_00]: I'm gonna be transparent with you all for the very first time on this show.
6:05
[SPEAKER_00]: I have two high-end exotic cars and one car that I drive every single day, every single day.
6:14
[SPEAKER_00]: And yes, I pay cash for all of them.
6:17
[SPEAKER_00]: No car payments, no leasing, pay cash.
6:21
[SPEAKER_00]: You see, I too had been with State Farm for over ten years before State Farm, I was with Geico.
6:29
[SPEAKER_00]: Every year, state farm went up.
6:31
[SPEAKER_00]: But honestly, I'm like, and I'm beyond Virginia.
6:34
[SPEAKER_00]: I'm the money guy.
6:35
[SPEAKER_00]: And I never thought I should change.
6:37
[SPEAKER_00]: I was comfortable, I trusted them, I figured, hey, I'm getting what I'm paying for.
6:42
[SPEAKER_00]: I got two exotic cars.
6:44
[SPEAKER_00]: So it should be expensive.
6:46
[SPEAKER_00]: Well, they made up this year, in twenty-five.
6:49
[SPEAKER_00]: It was time to resign.
6:51
[SPEAKER_00]: My bill went from eight hundred and sixty dollars a month.
6:55
[SPEAKER_00]: to twelve hundred dollars a month.
6:58
[SPEAKER_00]: Family, I'm gonna be real with you.
7:00
[SPEAKER_00]: It skews my French.
7:01
[SPEAKER_00]: I don't mean to disrespect nobody, especially my Christian world, but your boy was pissed off.
7:07
[SPEAKER_00]: That's a three hundred and forty dollar increase in one year.
7:14
[SPEAKER_00]: That's over four thousand dollars more per year.
7:20
[SPEAKER_00]: They've said this in the way I'm saying.
7:22
[SPEAKER_00]: My insurance bill went up.
7:25
[SPEAKER_00]: by three hundred and forty dollars a month, a month.
7:30
[SPEAKER_00]: But see, your boy, I pay it yearly.
7:34
[SPEAKER_00]: So it went up four thousand dollars more per year.
7:38
[SPEAKER_00]: So I called them too.
7:39
[SPEAKER_00]: I say, yo, and I actually called my representative.
7:43
[SPEAKER_00]: I say yo, I've never been in a car accident.
7:47
[SPEAKER_00]: I pay you all yearly.
7:49
[SPEAKER_00]: My credit score has even gone up since ten years ago.
7:55
[SPEAKER_00]: My rep told me the same thing he told that young lady.
7:58
[SPEAKER_00]: Man, this is normal.
8:00
[SPEAKER_00]: Everything right now is expensive.
8:02
[SPEAKER_00]: Lumber's expensive, food's expensive, car insurance is expensive.
8:06
[SPEAKER_00]: Everyone is going on.
8:08
[SPEAKER_00]: And if I'm being honest with you, I honestly just listened to the brother.
8:13
[SPEAKER_00]: I didn't even do no research, and I'm supposed to be the money guy.
8:18
[SPEAKER_00]: But I fell into the same trap as everyone else.
8:21
[SPEAKER_00]: I just accepted it.
8:23
[SPEAKER_00]: The one day,
8:26
[SPEAKER_00]: and make that payment.
8:28
[SPEAKER_00]: The payment came out of my account.
8:32
[SPEAKER_00]: And again, it's used my fridge.
8:36
[SPEAKER_00]: But your boy was pissed the heck off.
8:40
[SPEAKER_00]: I said, oh, heck, no, heck, no, heck, no.
8:44
[SPEAKER_00]: I said, boy, you're gonna sit here and you're gonna do some research.
8:48
[SPEAKER_00]: I went to every insurance company that ensures in my area and ensures exotic cars.
8:55
[SPEAKER_00]: I get a quote back from all states saying, we can ensure all of your vehicles.
9:00
[SPEAKER_00]: Watch this for six hundred and ten dollars a month.
9:04
[SPEAKER_00]: Excuse me?
9:07
[SPEAKER_00]: Remember, family, your boy was paying twelve hundred dollars a month.
9:12
[SPEAKER_00]: So me spending about one hour of my time doing some research put five hundred and ninety dollars a month back in my pocket.
9:23
[SPEAKER_00]: that seven thousand and eight dollars for me a year back into my pocket.
9:28
[SPEAKER_00]: One hour of work for over seven thousand dollars in savings.
9:34
[SPEAKER_00]: And here's the craziest part.
9:36
[SPEAKER_00]: The coverage with all state was actually even better.
9:41
[SPEAKER_00]: Better customer service in my personal opinion, same deductible, but more comprehensive coverage.
9:47
[SPEAKER_00]: Now this is not all state.
9:50
[SPEAKER_00]: This is not all say insurance at, no, no, no.
9:55
[SPEAKER_00]: Stop.
9:56
[SPEAKER_00]: But family, if I, the guy who teaches people how to get out of debt, how to build wealth, how to budget, if I can fall into this trap, then I am pretty sure the majority of you all are paying more on your car insurance right now.
10:15
[SPEAKER_00]: But that one experience opened up my eyes to how this whole system really works.
10:22
[SPEAKER_00]: And I got so pissed off that I said, you know what, when I come off of vacation, I am going to do a show and teach my community, my people, how to save money.
10:33
[SPEAKER_00]: Because you all know what reminds you all.
10:36
[SPEAKER_00]: For the first time I want to remind you, not remind you, I'm going to share this.
10:39
[SPEAKER_00]: We are no longer going by E three community.
10:42
[SPEAKER_00]: We are now going by we are in the black community.
10:46
[SPEAKER_00]: You are a part of the in the black community because a lot of us are in the red.
10:53
[SPEAKER_00]: And I want to get this in the black.
10:55
[SPEAKER_00]: I want to get this into the positive to where we're building both because by twenty fifty three if you are specifically African-American and or a minority watching us.
11:05
[SPEAKER_00]: They're saying in their estimating by twenty fifty three that you and I would have zero to negative network.
11:12
[SPEAKER_00]: And I said, you know what?
11:13
[SPEAKER_00]: No.
11:14
[SPEAKER_00]: I'm going to go back to school and learn as much and everything as I can about money because I want to make sure that my brothers and sisters.
11:23
[SPEAKER_00]: can be in the black by twenty fifty three and if we're going to be in the black by twenty fifty three we got to be saving money in all areas not just in one particular area but knowing all areas we can't afford to overspend we can't so I got to pull the curtain back and show you how this insurance industry really works
11:48
[SPEAKER_00]: Because once you understand this, everything else is going to make sense and you're going to put money back in your pocket.
11:55
[SPEAKER_00]: Because insurance companies make money in two specific ways.
11:59
[SPEAKER_00]: Number one, collecting more and premiums than they put out in claims.
12:06
[SPEAKER_00]: And it watches, which is smart for the company.
12:09
[SPEAKER_00]: They invest your premium payments into the stock market or end bonds.
12:17
[SPEAKER_00]: So we make a premium, they collect more than they actually put out, what they collect, they take that and they go sit with an investor and they invest the millions and billions into their company.
12:32
[SPEAKER_00]: Here's the key.
12:34
[SPEAKER_00]: They use something called price optimization.
12:37
[SPEAKER_00]: I think that's the correct way, word of saying it.
12:40
[SPEAKER_00]: Sounds fancy.
12:42
[SPEAKER_00]: But here's what it really means.
12:44
[SPEAKER_00]: They use algorithms to figure out the maximum amount they can charge you and I specifically before we switch companies.
12:56
[SPEAKER_00]: They gather all of our data.
12:59
[SPEAKER_00]: And this should be up on a screen.
13:01
[SPEAKER_00]: This is the data they're looking at for you.
13:03
[SPEAKER_00]: How long you've been with them because longer equals higher prices.
13:09
[SPEAKER_00]: You're shopping behavior.
13:12
[SPEAKER_00]: Do you compare prices?
13:14
[SPEAKER_00]: Because you know once you go out there and you start shopping around and compare it up to the prices, it sends a trigger to the algorithm, hey, John Doe, hey, Anthony O'Neill is looking for prices.
13:27
[SPEAKER_00]: They also number three, your payment method.
13:30
[SPEAKER_00]: Did you know that automatic payment equals higher prices?
13:35
[SPEAKER_00]: because your brain is not every single month being reminded that you have to actually make this high payment.
13:42
[SPEAKER_00]: Number four, your demographics, your age, location and job and your credit score.
13:48
[SPEAKER_00]: And then they set your prices based on what they think you'll tolerate.
13:55
[SPEAKER_00]: Watch this.
13:56
[SPEAKER_00]: Not what your coverage is actually worth.
14:01
[SPEAKER_00]: Digital insurance industries have something called the loyalty penalty.
14:07
[SPEAKER_00]: The longer you stay with the company, the more they charge you, it's completely backwards from what we would expect.
14:15
[SPEAKER_00]: But here are the real numbers.
14:18
[SPEAKER_00]: Customers who stay on average went to two years paying average about one thousand four hundred and twenty seven dollars per year.
14:26
[SPEAKER_00]: Those same customers who extended go from three to five years pay an average of about one thousand six hundred and seventy eight dollars per year.
14:34
[SPEAKER_00]: Then customers who stay six or more years pay on average about two thousand dollars per year.
14:42
[SPEAKER_00]: Same coverage, same risk.
14:45
[SPEAKER_00]: but loyal customers are paying on average by five hundred dollars more per year.
14:51
[SPEAKER_00]: They're literally punishing us for being loyal and for being lazy.
14:57
[SPEAKER_00]: Meanwhile, new customers get a welcome discount of ten to twenty five percent.
15:04
[SPEAKER_00]: They'll get a promotional rate for the first six to twelve months.
15:09
[SPEAKER_00]: They'll even get better customer service.
15:13
[SPEAKER_00]: Why?
15:13
[SPEAKER_00]: Because they're trying to impress you.
15:18
[SPEAKER_00]: I've been doing my research.
15:22
[SPEAKER_00]: And I found another way that they're getting over on us, especially within the Black community.
15:29
[SPEAKER_00]: You see, in most states, insurance companies can use your credit score to actually set your rate.
15:34
[SPEAKER_00]: They claim people with lower credit scores, foul, more claims.
15:39
[SPEAKER_00]: What?
15:42
[SPEAKER_00]: But here's the truth.
15:44
[SPEAKER_00]: There's almost no correlation between credit scores and driving ability.
15:49
[SPEAKER_00]: I did the research.
15:51
[SPEAKER_00]: There's no studies.
15:52
[SPEAKER_00]: There's no facts or stats that they're saying that a person with a five hundred credit score is going to be a worse drive than a person with a eight hundred credit score.
16:03
[SPEAKER_00]: What this really does is create poverty tax.
16:07
[SPEAKER_00]: If you're struggling financially, if you fall under hard times, they charge you more for the exact same coverage.
16:15
[SPEAKER_00]: It's a system design to keep people down.
16:20
[SPEAKER_00]: But here is the good news.
16:24
[SPEAKER_00]: You're a credit score changes.
16:26
[SPEAKER_00]: Associate your insurance rates.
16:28
[SPEAKER_00]: if your credit has improved because you've been using my companies like Kickoff and Dodley to help you get more, right?
16:38
[SPEAKER_00]: And these are two free services that can help you get your credit score up.
16:45
[SPEAKER_00]: just by using AI and by using their free services.
16:48
[SPEAKER_00]: You can go to the premium if you want, but you can get your credit score up in between thirty and eighty points within a matter of ninety days.
16:54
[SPEAKER_00]: And I'm going to make sure that we put those two credit companies inside of today's show notes.
16:59
[SPEAKER_00]: I'm going to go and check out, dial it, check out, kick off and sign up today.
17:06
[SPEAKER_00]: Because if your credit has improved, you are overpaying by hundreds of dollars per year.
17:16
[SPEAKER_00]: So I want to give you the strategy that's going to change your financial life and that's going to save you anywhere between ten to almost fifty percent of what you're paying right now.
17:27
[SPEAKER_00]: And I call it the sixth month rule and it's based on how the insurance industry's actually work.
17:35
[SPEAKER_00]: Most shop for insurance, I would say once a year or worse, they just let it go in auto renew forever.
17:43
[SPEAKER_00]: And that's what I did with say farm.
17:47
[SPEAKER_00]: But here's what insurance companies noted that
17:51
[SPEAKER_00]: How is it?
17:52
[SPEAKER_00]: Here's what they know that you don't.
17:55
[SPEAKER_00]: Race chains consistently.
17:57
[SPEAKER_00]: Did you know that every single month, sometimes even every week and every day, race are changing?
18:03
[SPEAKER_00]: So if you go today and you see a rate, it can change tomorrow.
18:07
[SPEAKER_00]: It can go up and it can go down.
18:10
[SPEAKER_00]: Insurance companies are constantly adjusting their rates based on the following factors.
18:16
[SPEAKER_00]: Number one, competition.
18:18
[SPEAKER_00]: Trying to still customers from other companies, which is a healthy thing to do.
18:23
[SPEAKER_00]: I like that, right?
18:24
[SPEAKER_00]: But two, claims that if they had a real bad month last month, well, they're going to raise the raise the next month because they want to make up for a bad month.
18:36
[SPEAKER_00]: Number three, market conditions.
18:38
[SPEAKER_00]: Let's say interest rates look like right now.
18:40
[SPEAKER_00]: Let's say investment returns.
18:43
[SPEAKER_00]: And the last thing is what I call the law changes.
18:48
[SPEAKER_00]: What new laws have come out and what new requirements are there.
18:52
[SPEAKER_00]: These are how insurance companies are constantly adjusting their race.
18:59
[SPEAKER_00]: And you have to know this as you are shopping.
19:03
[SPEAKER_00]: So if you're shopping once a year, you're missing eleven months of potential savings.
19:11
[SPEAKER_00]: In the six months world is simple.
19:13
[SPEAKER_00]: Shop for new insurance every six months.
19:17
[SPEAKER_00]: Right before your renewal, not after you get the renewal notice, like I did, but do it before.
19:26
[SPEAKER_00]: Here's why this works so well.
19:30
[SPEAKER_00]: You catch rate changes before they hit your renewal.
19:33
[SPEAKER_00]: Okay?
19:35
[SPEAKER_00]: You qualify for new customer discounts more frequently.
19:40
[SPEAKER_00]: And watch this, you can negotiate with your current company using competing quotes as long as it has the same coverage.
19:49
[SPEAKER_00]: So I went to all state.
19:51
[SPEAKER_00]: I got my quote from all state.
19:53
[SPEAKER_00]: I went back to state farm.
19:55
[SPEAKER_00]: They were all from me, twelve hundred.
19:57
[SPEAKER_00]: They came down to like nine hundred, but they couldn't get down to six hundred and ten dollars.
20:03
[SPEAKER_00]: I said, I'm staying right here.
20:05
[SPEAKER_00]: Here's another thing, your risk profile changes.
20:08
[SPEAKER_00]: Maybe you moved, maybe you got married, maybe because you rocked with kickoff and dovly, you improved your credit score.
20:19
[SPEAKER_00]: Listen to me.
20:22
[SPEAKER_00]: I'm about to give it a step that I use to save money.
20:28
[SPEAKER_00]: I need you to dial in and I need you to do these steps two days.
20:33
[SPEAKER_00]: When you get done watching this show, I need you to do this today.
20:37
[SPEAKER_00]: I don't care if you say fifty dollars a month.
20:40
[SPEAKER_00]: That's fifty dollars.
20:40
[SPEAKER_00]: I can go towards a grocery bill, go towards a gas bill, go towards paying off your debt and your debt snowball, put fifty dollars into your investment account.
20:49
[SPEAKER_00]: Like what we're learning from myself and from my board Courtney, who has this new show called Everyday Investor.
20:56
[SPEAKER_00]: I don't care if you can say forty dollars a month.
21:02
[SPEAKER_00]: Save the money.
21:04
[SPEAKER_00]: What happens to your family if something happened to you?
21:07
[SPEAKER_00]: I'm gonna ask out again.
21:09
[SPEAKER_00]: What happens to your family when something happens to you?
21:13
[SPEAKER_00]: You see, life insurance feels scary, feels complicated, and even expensive.
21:18
[SPEAKER_00]: But here's the thing, it doesn't have to be anymore.
21:22
[SPEAKER_00]: Most of us are walking around with no life insurance policy, but we have a name brand item.
21:29
[SPEAKER_00]: Thinking, I'm young, I'm healthy, I got time.
21:33
[SPEAKER_00]: I'm not gonna be honest with you, I'm so sorry.
21:35
[SPEAKER_00]: That's not the faith.
21:37
[SPEAKER_00]: That is pure foolishness.
21:40
[SPEAKER_00]: Here's what I love about my friends already at those.
21:42
[SPEAKER_00]: They've made getting term life insurance, one hundred percent simple.
21:46
[SPEAKER_00]: No medical exams, no waiting weeks for approval.
21:50
[SPEAKER_00]: You can get a quote online and literally ten minutes like myself and get approved the exact thing they were talking coverage from a hundred thousand dollars up to two million dollars with absolutely no blood work.
22:02
[SPEAKER_00]: For way less than what you actually think, term life insurance is pure protection at a fraction of the cost of whole life insurance.
22:10
[SPEAKER_00]: Look, I healthy dirty road can get a five hundred thousand policy for about twenty five dollars a month.
22:16
[SPEAKER_00]: That's less than your Netflix and Spotify combined.
22:20
[SPEAKER_00]: Listen, your family deserves to be protected.
22:25
[SPEAKER_00]: Don't leave them struggling to pay bills and funeral costs because you kept putting this on.
22:31
[SPEAKER_00]: While you're in heaven, smiling, your family's out here stressed because of your poor decisions.
22:37
[SPEAKER_00]: Listen, stop playing games with your family's future.
22:40
[SPEAKER_00]: Get your free quote today in ten minutes by going to Anthonyonio.com for Sasha Yepelkin.
22:46
[SPEAKER_00]: Again, go to Anthonyonio.com for Sasha Yepelkin and our promise
22:54
[SPEAKER_00]: You will feel way better and sleep better at night.
22:57
[SPEAKER_00]: All right, let's get back to today's show.
23:01
[SPEAKER_00]: Here's step number one and started the sixth month rule.
23:05
[SPEAKER_00]: I need to set a calendar reminder, right?
23:08
[SPEAKER_00]: Set a reminder for thirty days before your current policy expires.
23:13
[SPEAKER_00]: I need you to go and look at your insurance policy, look on your insurance car and see when does it expire?
23:21
[SPEAKER_00]: If it expires December first, for an example of this year, I need you set, I need you to set an insurance, I'm not a insurance, but a reminder for November one and put look up car insurance.
23:35
[SPEAKER_00]: This gives you time to shop without rushing.
23:39
[SPEAKER_00]: But for today, I want everyone, everyone to skip to step number two.
23:48
[SPEAKER_00]: because this is gonna save you money.
23:50
[SPEAKER_00]: I want you to gather your information.
23:53
[SPEAKER_00]: Here's the information that you're going to need.
23:54
[SPEAKER_00]: Your current policy details.
23:56
[SPEAKER_00]: I need to know your coverage amounts, your deductibles, your comprehensive, everything.
24:01
[SPEAKER_00]: I need your drivers.
24:02
[SPEAKER_00]: I need you to get your driver's license number for everyone on the policy.
24:08
[SPEAKER_00]: Get all your vehicle information.
24:09
[SPEAKER_00]: You've been numbers and a mileage.
24:13
[SPEAKER_00]: And also identify what cars you'd use the most.
24:18
[SPEAKER_00]: Like, if you have multiple cars like me or a couple of cars like myself, which car do you use the most?
24:25
[SPEAKER_00]: And what car, maybe it's just your fun car, you weaken car or you're in your spouse or yourself, you don't drive that car as much.
24:32
[SPEAKER_00]: And what is your current address and how long have you lived there?
24:35
[SPEAKER_00]: If you've lived there less than three years, I need you to get your previous address because they're going to want to know that.
24:42
[SPEAKER_00]: Then you're going to do the step number three.
24:44
[SPEAKER_00]: You're going to go to anthonyonyl.com for slash car insurance and you're going to get multiple quotes.
24:51
[SPEAKER_00]: And this is where most people mess up.
24:55
[SPEAKER_00]: They get one quote and call it all good.
24:59
[SPEAKER_00]: No, you need to get at least three to five quotes to see the real market.
25:05
[SPEAKER_00]: And that's why I've created this tool that would help you do just this.
25:11
[SPEAKER_00]: And it will only take you ten minutes, ten minutes to compare three to five companies that took me an hour of my time.
25:23
[SPEAKER_00]: Because while I was doing this, I was like, yo wait a minute, wait a minute.
25:27
[SPEAKER_00]: I know my community.
25:29
[SPEAKER_00]: My end of black community is not gonna wanna spend a hour or two hours of single parents and working two jobs and gotta come home and be a mom and help out with schoolwork.
25:38
[SPEAKER_00]: Gotta come home and be a wife, be a husband like that.
25:41
[SPEAKER_00]: They don't have this time and we are living in a day and time to where convenience is better.
25:48
[SPEAKER_00]: So I've partnered with the company to help you all just type in some basic information on my website.
25:57
[SPEAKER_00]: Anthonyo.com for Saskar Insurance.
26:00
[SPEAKER_00]: Type in your vehicle, type in your zip code, type in what kind of coverage you want, then it's going to give you at least three to five companies with their quotes.
26:12
[SPEAKER_00]: And you'll be able to see, okay, wait, is this better than what I have?
26:21
[SPEAKER_00]: was goes down to number four.
26:22
[SPEAKER_00]: You've got to compare apples to apples.
26:25
[SPEAKER_00]: And this is crucial.
26:27
[SPEAKER_00]: Make sure you're comparing the exact same covers.
26:31
[SPEAKER_00]: Don't just look at the bottom line price.
26:36
[SPEAKER_00]: I need you to check the following things because this is crucial.
26:39
[SPEAKER_00]: This is important.
26:41
[SPEAKER_00]: Liability limits, twenty five fifty twenty five versus a hundred three hundred hundred.
26:47
[SPEAKER_00]: The Dr. Bulls, five hundred versus a thousand.
26:51
[SPEAKER_00]: Additional coverage, rental car, road side assistance, if that's what you want.
26:56
[SPEAKER_00]: I need you to compare apples, two apples.
27:01
[SPEAKER_00]: And this tool at Anthonyonil.com for slash car insurance is going to help you do that.
27:11
[SPEAKER_00]: And step five, this negotiating with the current company before you switch, seriously.
27:17
[SPEAKER_00]: I want you to call your company with the best competing quote and say this exactly.
27:23
[SPEAKER_00]: Hey, stay far.
27:25
[SPEAKER_00]: I've been a loyal customer for seven years, three years, two years, ten years.
27:31
[SPEAKER_00]: That'll be honest with you, man.
27:33
[SPEAKER_00]: I'm getting quotes from all state, from guy call, from progressive that's offering me X amount of dollars less per month.
27:43
[SPEAKER_00]: I'll be real with you.
27:44
[SPEAKER_00]: I would love to stay because I would hate to, you know, get a refund from my money and et cetera, et cetera.
27:50
[SPEAKER_00]: Can you all match this rate?
27:51
[SPEAKER_00]: I can send it over to you so you can see.
27:54
[SPEAKER_00]: And I'll be honest with you.
27:55
[SPEAKER_00]: Some of the people in our community who I've been teaching us to within side to in the Black community, may they've been doing this and I'll say about
28:04
[SPEAKER_00]: Fifty percent of the companies have been able to match.
28:06
[SPEAKER_00]: The fifth percent of the companies because the number just dropped so drastically like mine's from twelve hundred to six hundred, they just couldn't match that.
28:14
[SPEAKER_00]: That's a huge loss to that particular company, right?
28:18
[SPEAKER_00]: So you'll be surprised of who can match, but if they won't budge, then you know it's time to switch.
28:25
[SPEAKER_00]: Now let me say this.
28:27
[SPEAKER_00]: Some of you are saying, Anthony, I've already paid yearly.
28:30
[SPEAKER_00]: I've already paid for this month.
28:32
[SPEAKER_00]: And I think some of you may know this, but a lot of you are may not know this.
28:36
[SPEAKER_00]: When I switched, I had already paid them yearly.
28:38
[SPEAKER_00]: I had already paid them a lot of money for the yearly wave.
28:42
[SPEAKER_00]: Because I switched, they issued a refund check, right?
28:47
[SPEAKER_00]: And amount of what I didn't use for the days.
28:50
[SPEAKER_00]: So I signed for six months.
28:53
[SPEAKER_00]: And so I think I was on with them for about not even fifteen days.
28:58
[SPEAKER_00]: Said they refunded me for five months and like fifteen days.
29:02
[SPEAKER_00]: They pro-rated that and they sent me back a check.
29:08
[SPEAKER_00]: And so even if when you go in there today, the Anthony Barney pay, that's cool.
29:12
[SPEAKER_00]: Get the quote today, get it locked in today.
29:14
[SPEAKER_00]: Do not count some insurance company before.
29:18
[SPEAKER_00]: you lock in with the other company and they will send you back a refund check for the days and a month that you did not use.
29:24
[SPEAKER_00]: But I want to give you some advanced strategies that's going to really help you save a lot of money that most people miss that I really really do to make sure that I get the lowest premium because again, remember, this is in the black community.
29:40
[SPEAKER_00]: We are trying to get out of the red into the black into the positive.
29:46
[SPEAKER_00]: So the strategy number one that I use is your deductible optimization.
29:51
[SPEAKER_00]: Here's some math that are below your mind.
29:53
[SPEAKER_00]: Let's say you're paying a hundred and fifty dollars a month with a five hundred dollar deductible.
29:57
[SPEAKER_00]: If you raise that to a thousand dollar deductible, you might pay right around a hundred and ten hundred and twenty dollars a month.
30:03
[SPEAKER_00]: That's almost a four hundred dollar per year savings.
30:08
[SPEAKER_00]: That's a lot of money.
30:10
[SPEAKER_00]: Now, you only lose money if you have a claim and the extra five hundred dollars cost more than what you saved.
30:20
[SPEAKER_00]: But the average person goes three to five years before any claims.
30:23
[SPEAKER_00]: So you could be saving a thousand to about two thousand dollars before you even break even on a claim.
30:31
[SPEAKER_00]: And if you stretch it, if you are doing what I teach in my escape plan,
30:38
[SPEAKER_00]: I teach you to set aside at least three to six months, bare minimum of your average net pay.
30:46
[SPEAKER_00]: So if the average person in America is making them around fifty thousand dollars a year, you should have anywhere between fifteen to twenty twenty five thousand dollars in size of savings.
30:55
[SPEAKER_00]: Let's say you're getting out of debt.
30:59
[SPEAKER_00]: Well,
31:00
[SPEAKER_00]: You should have at least one month of your net pay, set inside your high your savings account.
31:05
[SPEAKER_00]: So this is where you should have anywhere between twenty five hundred to thirty five hundred dollars sitting inside of your high your savings.
31:12
[SPEAKER_00]: Why am I saying it's Anthony?
31:14
[SPEAKER_00]: Because me, I actually went higher on my deductible to keep my premium low.
31:19
[SPEAKER_00]: Because I don't, I'm a good driver.
31:20
[SPEAKER_00]: And I want to give them all this money.
31:22
[SPEAKER_00]: So they can take that money and invest it.
31:25
[SPEAKER_00]: And they make money.
31:26
[SPEAKER_00]: And for all of me, and I can't keep as much as my money as possible to invest, no.
31:31
[SPEAKER_00]: So I went up to a two thousand dollar deductible.
31:35
[SPEAKER_00]: And yes, you can do that.
31:36
[SPEAKER_00]: But you can only do that if you have that money sitting inside your higher savings.
31:43
[SPEAKER_00]: I'm getting deeper here.
31:45
[SPEAKER_00]: You got twenty thousand dollars inside your Hollywood savings.
31:48
[SPEAKER_00]: If you're with so far, for an example.
31:51
[SPEAKER_00]: Right?
31:51
[SPEAKER_00]: They're giving you right at four percent on an interest rate.
31:54
[SPEAKER_00]: If you're using their premium product, I'll put them inside of today's show notes as well to get their high yield savings account.
32:00
[SPEAKER_00]: Watch this.
32:01
[SPEAKER_00]: You open up a high yield savings account by the teacher how to get this deductible.
32:05
[SPEAKER_00]: You open up a high yield savings account with so far, partner that with a checking account, they're going to put three hundred dollars inside of your account.
32:15
[SPEAKER_00]: They're going to give you four percent of your money.
32:18
[SPEAKER_00]: So within a matter of about two years, you can have your thousand and two thousand dollars inside of your highest savings account from money that you did not specifically save because you used the high yield of interest.
32:34
[SPEAKER_00]: It's all about being a smart.
32:36
[SPEAKER_00]: If the average person is going through any five years without a claim, you know yourself, you know your driver.
32:40
[SPEAKER_00]: I have not been an accident in over ten years.
32:46
[SPEAKER_00]: My high yo savings has paid for my deductible.
32:51
[SPEAKER_00]: Not me.
32:54
[SPEAKER_00]: See, it's all about how do we use our money to make more money to be smart?
33:01
[SPEAKER_00]: That's how to rich people.
33:02
[SPEAKER_00]: That's how the wealthy people are thinking.
33:03
[SPEAKER_00]: Oh, I gotta save.
33:04
[SPEAKER_00]: No, no, no.
33:05
[SPEAKER_00]: I already got to set aside at least three to six months in my net page.
33:08
[SPEAKER_00]: Let me put that money inside of an account.
33:11
[SPEAKER_00]: That's one of them give me a bonus for opening up an account.
33:13
[SPEAKER_00]: That's three hundred.
33:14
[SPEAKER_00]: So I'm down already down this to seven hundred.
33:16
[SPEAKER_00]: Okay, cool.
33:17
[SPEAKER_00]: Over the next two to three years, they're going to pay me a thousand because I got twenty twenty five thirty thousand dollars in there.
33:23
[SPEAKER_00]: Man, that's easy money.
33:25
[SPEAKER_00]: My claim is there.
33:29
[SPEAKER_00]: Here's saddening number two, the coverage on it, right?
33:33
[SPEAKER_00]: Most people are either over-insured or under-insured.
33:39
[SPEAKER_00]: And here's what you actually need.
33:42
[SPEAKER_00]: You need liability coverage should be at least a hundred, three hundred, one hundred.
33:46
[SPEAKER_00]: That's a hundred thousand dollars per person, three hundred thousand dollars per accident, a hundred thousand dollars for property damage.
33:54
[SPEAKER_00]: If your car is worth less than four thousand dollars, consider dropping comprehensive and collision.
34:03
[SPEAKER_00]: Do not pay full coverage for a car that is worth four thousand dollars.
34:10
[SPEAKER_00]: The beater that I have, I can't even really call it a beater.
34:13
[SPEAKER_00]: But, but, but, but the car that I drove in a day of the basis, I don't have full coverage on it, because I don't need it.
34:19
[SPEAKER_00]: Like, I don't have to have full coverage on that.
34:22
[SPEAKER_00]: I don't.
34:24
[SPEAKER_00]: So, my premium is low.
34:26
[SPEAKER_00]: I have enough coverage if I hit somebody that I have property and health.
34:30
[SPEAKER_00]: But I don't need to cover me because I got money, my savings account, I can just go buy another car.
34:34
[SPEAKER_00]: But I drive super safe.
34:36
[SPEAKER_00]: Here's another thing, if you have good health insurance, you might not need medical payment coverage for yourself, have that for the others, but not for yourself.
34:46
[SPEAKER_00]: Rente car coverage is usually overpriced.
34:49
[SPEAKER_00]: If you've got another car, if you've got a connection at a Rente car company, man, don't pay for that.
34:55
[SPEAKER_00]: Here's charge number three.
34:57
[SPEAKER_00]: The discount audit insurance companies.
35:00
[SPEAKER_00]: offer dozens of discounts, but they don't automatically apply them.
35:04
[SPEAKER_00]: You have to ask.
35:06
[SPEAKER_00]: Here's one of the big ones, which a lot of you all should notice.
35:10
[SPEAKER_00]: Multiple policies, homeowners, auto insurance, rentives insurance, term life insurance, when you can have multiple policies up on eighth win.
35:22
[SPEAKER_00]: Good driving discount.
35:23
[SPEAKER_00]: You have no accidents, no tickets within the last three to five years.
35:27
[SPEAKER_00]: If you're a student, if you're in school,
35:30
[SPEAKER_00]: Matt, they're going to give you a good discount.
35:33
[SPEAKER_00]: Some of you all may not want to do this.
35:35
[SPEAKER_00]: I'm going to be honest with you.
35:36
[SPEAKER_00]: I don't do this because I have real fun cars.
35:39
[SPEAKER_00]: But if you apply like what it can track your speed, here's a positive.
35:47
[SPEAKER_00]: If you are a speed limit driver, do it because I can save you about five to ten percent of your bill.
35:54
[SPEAKER_00]: but the downfall is, trust me, I know.
35:58
[SPEAKER_00]: If you put this device inside of your car and you go above the speed limit, you're going to go up on your premiums, because now they're considering you a high risk, because they're tracking how you drive.
36:10
[SPEAKER_00]: So if you know you don't drive the speed limit, and I'm talking about the speed limit is sixty-five, you're driving sixty-five or less.
36:19
[SPEAKER_00]: The moment you go to sixty-six,
36:21
[SPEAKER_00]: For them, you drive above the speeding limit.
36:25
[SPEAKER_00]: This is a risky driver.
36:28
[SPEAKER_00]: Another one that I found out recently is low mileage discount.
36:35
[SPEAKER_00]: Now, I'm a man of integrity in character.
36:36
[SPEAKER_00]: I'm not telling you to lie.
36:39
[SPEAKER_00]: But if you drive less than twelve thousand miles per year, they consider it a discount because that car is not on the road a lot.
36:47
[SPEAKER_00]: Another was professional discounts and safety future discounts.
36:50
[SPEAKER_00]: You know, anti-lock breaks, they all know that part, right?
36:54
[SPEAKER_00]: So listen, I really wanted to spend some time and help you understand how to do this.
37:05
[SPEAKER_00]: The key thing here is to gather all your information and immediately after this show.
37:12
[SPEAKER_00]: I want you to just go ten minutes on your lunch break.
37:15
[SPEAKER_00]: Don't do it while you're driving.
37:17
[SPEAKER_00]: Maybe do it while you're walking because you can do it on your phone or on my website.
37:23
[SPEAKER_00]: And the best time to really change.
37:26
[SPEAKER_00]: Here's a last strategy.
37:28
[SPEAKER_00]: And I tell you all this every single time when you are going to buy something, when you are selling when there is a commission towards it, the last and the best strategy.
37:41
[SPEAKER_00]: Time in a game is sure as companies.
37:44
[SPEAKER_00]: because they give out so much.
37:47
[SPEAKER_00]: And the best time to shop for car insurance is at the end of the month because agents need to hit monthly quotes.
37:57
[SPEAKER_00]: The end of the quarter, so there's gonna be month March, June, September, and December.
38:04
[SPEAKER_00]: Mid month policies starts.
38:08
[SPEAKER_00]: right around there.
38:09
[SPEAKER_00]: Companies often have better ways for non-standard dates.
38:16
[SPEAKER_00]: So if you're watching this right now, I would highly recommend that you post, that you get it and you do it.
38:29
[SPEAKER_00]: Because I know a lot of you, you don't want to call a six or seven insurance companies.
38:34
[SPEAKER_00]: You don't want to get close.
38:35
[SPEAKER_00]: You don't want to spend all your time comparing coverage because that could take forever and I get it.
38:44
[SPEAKER_00]: But that's my job.
38:45
[SPEAKER_00]: It's the serve you to help you and to give you tools and resources that can help you do the right thing and save because you're right.
38:56
[SPEAKER_00]: You're right.
38:57
[SPEAKER_00]: It's a lot of hours.
38:59
[SPEAKER_00]: And that's why I created this tool to make the process simple for our end-of-blood community.
39:05
[SPEAKER_00]: This tool does exactly what I just talked to you.
39:09
[SPEAKER_00]: And it does it in under ten minutes.
39:13
[SPEAKER_00]: First, go do it.
39:15
[SPEAKER_00]: Go to www.antherneal.com.
39:16
[SPEAKER_00]: Forrest-car insurance.
39:19
[SPEAKER_00]: Type in the information you're going to ask maybe you're going to answer maybe five or six questions.
39:23
[SPEAKER_00]: And they're going to show you three to four companies.
39:26
[SPEAKER_00]: This tool compares rates from over twenty top rated insurance companies throughout America.
39:32
[SPEAKER_00]: And you want to get three that specifically cover your vehicles within your region.
39:36
[SPEAKER_00]: Second is accurate.
39:39
[SPEAKER_00]: You're not getting fake quotes that change when you actually apply.
39:43
[SPEAKER_00]: Now, these are real, binable quotes based on your actual information.
39:48
[SPEAKER_00]: Just don't lie on the information.
39:50
[SPEAKER_00]: If you've been into the car accident, if you filed a claim, tell the truth so you can get accurate information.
39:56
[SPEAKER_00]: The only way this information will change is if you did not reveal the truth.
40:02
[SPEAKER_00]: And at third, it shows you to cover different.
40:05
[SPEAKER_00]: It's not just about finding the cheapest price, but it's about finding the best value.
40:11
[SPEAKER_00]: And this tool breaks it all the way down.
40:14
[SPEAKER_00]: And here's the best part as we close out today's show.
40:18
[SPEAKER_00]: It's completely free to use.
40:20
[SPEAKER_00]: All you have to do is go to www.anthinoneo.com for a set of car insurance and start saving money to day.
40:28
[SPEAKER_00]: Listen.
40:29
[SPEAKER_00]: I want you to go do it.
40:31
[SPEAKER_00]: And when you get done with this tool, I want you to comment below.
40:33
[SPEAKER_00]: Let me know.
40:36
[SPEAKER_00]: Once you got this tool, how much money did you save?
40:40
[SPEAKER_00]: Comment below.
40:41
[SPEAKER_00]: And then when you get the insurance policy, I want someone, I just want to do.
40:48
[SPEAKER_00]: I just said this now.
40:50
[SPEAKER_00]: email me email Anthony at Anthonyonil.com and I want to have a contest within my community, my community only, right?
41:00
[SPEAKER_00]: And how do I know your my community is by joining the email list?
41:05
[SPEAKER_00]: What I mean by this, you go to Anthonyil.com, you join the community, give me your first name and your email address now you're stamped.
41:13
[SPEAKER_00]: And what I'm going to do is, whoever saved the most
41:19
[SPEAKER_00]: I'm gonna pay for one month of your car insurance.
41:29
[SPEAKER_00]: We're releasing this show in the month of August.
41:32
[SPEAKER_00]: By the end of August September first, whoever actually used this tool and whoever saved the most money
41:46
[SPEAKER_00]: I am going to pay for one month of your car insurance.
41:51
[SPEAKER_00]: That's right.
41:53
[SPEAKER_00]: How do we know this Anthony?
41:54
[SPEAKER_00]: You're going to send me a picture of your current policy.
41:58
[SPEAKER_00]: And you're going to send me a picture of the new policy that you got from my website, anthonyl.com for slash car insurance.
42:10
[SPEAKER_00]: I need to see current.
42:12
[SPEAKER_00]: I was paying two, fifty a month.
42:15
[SPEAKER_00]: New policy.
42:16
[SPEAKER_00]: I went through Anthony News website.
42:18
[SPEAKER_00]: I'm now paying a hundred and fifty dollars a month.
42:21
[SPEAKER_00]: You say to a hundred.
42:22
[SPEAKER_00]: I know some of y'all said, well Anthony, what if there's a tie?
42:24
[SPEAKER_00]: Then my team and I are going to just put all the people who save the most if there was a tie.
42:29
[SPEAKER_00]: And then we're going to just pull one from there and go from there.
42:31
[SPEAKER_00]: And then we're going to notify people by my email list.
42:35
[SPEAKER_00]: All right, listen, it's forty minutes.
42:38
[SPEAKER_00]: I've been trying to do this so within about twenty five, thirty minutes, but this was an important show for me.
42:41
[SPEAKER_00]: I hope that this helped you.
42:44
[SPEAKER_00]: It taught you something and I hope that you will use this tool.
42:48
[SPEAKER_00]: I promise you, this tool helped me and this tool will help you save money.
42:56
[SPEAKER_00]: Remember, we are now
43:00
[SPEAKER_00]: the end-of-black community.
43:03
[SPEAKER_00]: We are all shooting to get to end-of-black and to stay in the black and to make sure that our children start off in the black.
43:19
[SPEAKER_00]: Shippo Anthony, I'll see you in the next show.
43:21
[SPEAKER_00]: Peace out.