Serious question, my car insurance went from $210 to $96 in 5 months and I still don't get why

Avery Martin · 2026-10-11T09:50:02.324366+00:00

I was paying $210 a month with a $1,000 deductible until I finally called around in January and switched to a smaller company here in Boise. The weird part is nothing else changed, same car, same clean record, same zip code, and now it's $96 for better coverage. Did I just get ripped off for two years by staying lazy, or is there some catch with these smaller insurers I should be watching for?

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Serious question, my car insurance went from $210 to $96 in 5 months and I still don't get why | Budget Buyers - Chatter Central