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My $37 a Month Car Insurance | BeatTheBush

how's it going everybody this is beat

the bush some of you were quite baffled

that I actually paid 37 dollars a month

for my auto insurance and I actually

drive a 2001 Porsche Boxster as well

today I'm gonna show you my insurance

statement and show you all the discounts

I'm getting in order to get my rate this

slow after I show you my statement I'm

also gonna cover all the other discounts

that are possible just in case I didn't

get it but you can here's my guy Chloe

insurance so you can see I only get

liability insurance here this is a main

factor of having my insurance solo

because essentially I am kind of self

insuring myself if anything happens to

my car I can pretty much pay for it and

do any kind of repairs so it helps a lot

to have enough emergency cash so that

you can do something like this where you

can just not pay for full coverage I

used to buy full coverage and used to be

two three hundred dollars more and you

can see after maybe a year or two of

painful coverage you can essentially

have a thousand two thousand dollars to

do any kind of minor to medium type

level of repairs already the coverage

here that you select is variable and you

may find that going from one tear to

another may not increase or decrease

your payment premium all that much

there's various factors that contributes

to my premium being solo number one is I

always pay in full six months at a time

this causes a discount to be applied and

this is the discount already shown and

you can see two hundred twenty three

some dollars divided by six is actually

thirty seven dollars a month these are

the types of discounts I have subclass

factor multi-line cycle which means I

have motorcycle as well

California good driver I haven't had an

accident for five years California

persistency passive restraint airbag

which means my car has an airbag and I

also have a seatbelt in it professional

group insurance rates this has to do

with me holding a Geico share and me

saying that I'm affiliated with Geico

and therefore I can add this insurance

discount on top of whatever this kind I

have before so I have all these

discounts added to whatever I had to pay

to get this $223 here's a list of this

kind

works for Geico insurance but I'm pretty

sure any other kind of car insurance

also have something similar where if you

do certain things you would get

additional discount the way it works

internally for an insurance company is

that they look at these various factors

and when you have certain things your

risk actually goes down therefore they

can insure you for less and less with

that in mind let me just go over the

discounts out of all these discounts you

can see the circled ones are the ones I

already have on my policy those two

right there anti-lock brake system and

the ion type that I actually have those

except it's not on my policy so doing

this video is great because I suddenly

realize that and maybe I can call in and

get additional discount and I'll let you

guys know if I do get additional

discount in the video description below

just go check there I'll update that a

bunch of these things of course depends

on your car model and if your car

actually have that and if it doesn't

have it you might be able to even add it

such as the anti-theft system if your

car has airbag most cars have airbags

anti-lock brake system most cars have

those these days and type theft if you

have the daytime running lights it will

lower your premium if you never had an

accident in five years I would also

lower your insurance rate which is great

if you always use your seatbelt all the

time you can tell them this and you can

get another discount of course they have

no way to verify this and I'm not sure

how they can verify I think this is just

based on the honor system where you say

yeah of course every time you did it and

you use a seatbelt then they'll honor

you that discount if you took defensive

driving classes I believe this only

lasts a certain number of years so if

you took it you have to kind of renew it

in order to get this discount all the

time if you took driver's education you

can get it this time if you're a good

student if you have good grades then you

can also get a discount if you're on the

emergency deployment such as in some war

or something or they have to deploy you

yes you'll also get a discount you also

get to this kind of you're part of

military and you also get a discount if

you're a federal employee there's also a

membership affiliation discount where

they have about five hundred groups that

you can be part of just look through

that group and see if you're part of any

of that then you can also add to get a

discount even if you're not part of one

of those

you can go and buy a berkshire hathaway

share just one share it I believe right

now it's about $170 in your brokerage

account then you can call them up and

say yes you own a share of Berkshire

Hathaway which owns Geico then you can

claim this membership with Philly and

get a few percentage off of your policy

if you have multiple cars on the same

policy you can get a discount if you

have multi policy such as having I don't

know other kind of insurance things for

me I have a motorcycle insurance on top

of that then you can get a multi-policy

discount getting any kind of recurring

expenses really low kind of pays you

back month after month because once you

do the initial work of trying to get it

really low in the first place you just

have to sit there and it's always just

gonna be a really low payment all the

time all of this is just really based on

getting a really good cash flow when you

have expensive you minimize them and for

any type of income you try to maximize

those and you're gonna get really good

cash flow I hope this video helps you

for your GEICO insurance or any other

kind of insurance just call them up

knock their doors now ask what kind of

policy discounts they have go to their

website see what kind of policy

discounts they have and see which one

you can actively obtain and most of time

I'm pretty sure you're gonna find some

of them that you already did already but

you're just not getting the discount

don't forget to give me a like on this

video comment down below let me know if

you've already applied this method and

getting the maximum discount on your

auto insurance if you're interested in

supporting this channel don't forget I

have an audible link down in the video

description below and also you can

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thanks for watching