HOOK
[Close-up of a car insurance renewal notice and a hand pointing at the price] Your car insurance just went up again—and the reason might be something you missed. Before you renew, check these three common mistakes that can quietly raise your premium.
KEY POINT 1
[On-screen: “1. Low liability limits”] First: carrying the state minimum can be risky. It may look cheaper now, but if you cause an accident, low liability limits can leave you paying out of pocket. A slightly higher limit often gives better protection for a small added cost.
KEY POINT 2
[On-screen: “2. Skipping discounts”] Second: not asking about discounts. Safe driver, multi-policy, good student, low mileage—there are often several ways to lower your bill. If you never review them at renewal, you could be paying full price without realizing it.
KEY POINT 3
[On-screen: “3. Choosing the wrong deductible”] Third: your deductible. A higher deductible can lower your monthly premium, but only if you can actually afford it after a claim. Pick a number that fits your emergency savings, not just the cheapest quote.
CTA
[B-roll of someone comparing policy documents on a laptop] If your policy is up for renewal, take five minutes to review your limits, discounts, and deductible. That quick check can help you avoid paying more than you need to. Want more practical insurance tips? Follow for the next one.
