High Car Insurance? Easy Steps to Switch and Save More

Struggling with high car insurance premiums? You’re not alone. Many drivers find themselves paying more than they need to for coverage, often without realizing that switching insurance companies could save them hundreds of dollars a year.

The good news is that changing providers doesn’t have to be complicated. By following a few simple steps, you can easily shop around for better rates, compare policies, and switch insurers without hassle. In this article, we’ll share tips to help you find the best car insurance rates and save on your premiums.

Shop around and compare insurance rates

Shopping around and comparing rates is the first step in securing affordable car insurance. Experts recommend doing this at least every six months, especially if you’ve had a significant life change like getting married or adding a new driver. Car insurance policies typically last for six months, and you can change them anytime you find a better quote.

The reason it’s so important to shop around is that insurance premiums vary widely from one company to another. What may have been the best deal a few years ago (or even a few months ago) may no longer be the case. Comparing auto insurance quotes from different providers can reveal significant savings – sometimes hundreds of dollars. Here’s how to go about it and why it’s worth the effort.

Why it’s important to rate shop

The cost of car insurance is influenced by various factors, from your driving history to your location, age, kind of car you drive, education level, and even credit score. Because each insurance company weighs these factors differently, rates can vary dramatically.

Not only do rates vary among insurance companies, but rates with your current company can change over time. Insurers periodically adjust their premiums based on claims, market conditions, and regulatory changes. A once competitive company might not be the best deal anymore.

A new insurance company may also offer you new discounts. By comparing rates, you might find new opportunities to save that weren’t available with your current insurer.

For all these reasons, it’s critical to shop around every few months—even if you’re satisfied with your current provider.

How to compare car insurance quotes

When comparing car insurance rates, the first step is to get insurance quotes from multiple companies. Many insurance websites offer online tools where you can input your information and get a quick estimate. Additionally, you can work with an independent broker who can provide insurance quotes from several companies at once.

Once you have the quotes, look at the coverage levels. Make sure you’re comparing the same type of coverage for each quote. Next, understand your deductible. A lower premium might come with a higher deductible, which means you’ll pay more out of pocket if you file a claim.

Be sure to check for additional perks. Some insurers offer extra benefits such as roadside assistance, accident forgiveness, or rental car coverage. Factor these into your decision if they’re valuable to you. Before you decide to switch, consider the company’s reputation. Look into their customer service ratings, claims process, and financial stability. It pays to go with a company you trust.

Keeping these factors in mind will help you get a clear picture of which provider offers the best car insurance for you.

What do you need to compare auto insurance quotes?

When gathering auto insurance quotes, having the right information at hand will make the process faster and ensure that you get accurate comparisons. To compare, you’ll need:

Your current policy details: Have a copy of your existing coverage so you can match the coverage types and limits across quotes.
Driver’s license information: You’ll need this for all drivers listed on your policy.
Vehicle information: Provide the make, model, year, and VIN (vehicle identification number) for each vehicle you’re insuring.
Driving history: Be prepared to share details about your driving record, including any accidents or violations in the past several years.
Mileage and usage: Auto insurance companies often ask how much you drive annually and whether it’s primarily for personal use or commuting.

You’ll also need to determine your desired coverage type to effectively compare insurance quotes. Once this information is ready, you can quickly compare quotes online or through an insurance broker.

Consider what coverage you need

Choosing the right type of coverage is essential to finding a policy that meets your needs without overpaying. All states require drivers to have car insurance – New Hampshire being the only exception – but not all require the same amount of protection. Take a look at your state’s laws and consider how much coverage you need.

Liability car insurance

Liability car insurance is the minimum requirement in most states and covers damage to other people or property if you’re at fault in an accident. It includes both bodily injury and property damage liability. While this option is typically the cheapest, it won’t cover repairs to your own vehicle. Liability-only coverage makes sense if you’re driving an older car with a low market value. Otherwise, you’re most likely better off choosing full coverage.

Full coverage insurance

Full coverage car insurance includes both liability and additional protection, such as collision and comprehensive car insurance. Collision covers damage to your car in an accident, while comprehensive insurance protects against non-accident incidents like theft, vandalism, or weather damage. Full coverage is generally recommended for newer or more valuable cars but comes at a higher premium. This doesn’t mean it’s always expensive. You can find cheap full coverage insurance. If your car still holds value, full coverage provides peace of mind in the event of an unexpected loss.

Optional coverages

In addition to standard coverage, many insurers offer optional policies that provide extra protection. These can include:

– Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver without insurance or insufficient coverage.

– Roadside Assistance: Offers help in case of breakdowns, such as towing or battery jumps.

– Rental Reimbursement: Pays for a rental car while your vehicle is in the shop for accident-related repairs.

Carefully consider which coverages make sense based on your vehicle’s value, your driving habits, and your financial situation.

How you can get the best auto insurance

Getting the best car insurance value requires more than finding the lowest premium. It’s about balancing costs with the right coverage, maintaining good driving habits, and taking advantage of saving opportunities. Below are some actionable steps you can take to secure the best value car insurance without sacrificing quality.

Practice defensive driving

Auto insurance companies heavily consider your driving record when setting your premium rates. Traffic violations, accidents, and reckless driving can significantly increase your premiums. One of the best ways to keep your rates low is to practice defensive driving, which not only keeps you safer on the road but also reduces the risk of accidents and traffic tickets.

Many companies now offer policies based on telematics, also known as ‘black box’ insurance. A small device installed in your car measures various factors like speed, distance traveled, and the time of day you drive. If the data shows you’re a safe driver, you could see a significant reduction in your premium. Plus, the feedback from the device can help you become an even better driver.

Here are a few defensive driving tips:

Obey speed limits and traffic laws
Maintain a safe following distance
Be aware of your surroundings and other drivers
Avoid distractions, such as texting or eating while driving

Some insurers offer discounts for completing a defensive driving course, which can be a great way to lower your premiums further.

Compare car insurance quotes

Shopping around is one of the most effective ways to ensure you get the best auto insurance. Each company evaluates risk differently, meaning car insurance quotes can vary widely for the same level of coverage. Comparing rates from multiple providers allows you to identify the most competitive offers.

As mentioned earlier, be sure to compare policies with the same coverage types and limits to get an accurate assessment. Don’t forget to consider customer service, claim handling, and additional perks when comparing car insurance companies, as cheap insurance quotes may not always offer the best overall value.

Take advantage of discounts

Many drivers miss out on savings simply by not asking about available discounts. Most insurance companies offer a variety of discounts that can significantly reduce your premium, depending on your qualifications. Here are some common discounts to ask about:

Safe Driver Discount: For maintaining a clean driving record.
Multi-Policy Discount: Bundling auto insurance with homeowners, renters, or life insurance.
Good Student Discount: Available for young drivers with high academic performance.
Low Mileage Discount: For drivers who don’t put a lot of miles on their vehicle.
Vehicle Safety Features Discount: You may receive discounts for vehicles that come with modern safety features, including anti-lock brakes and airbags.
Pay Full 6 Months Discount: Often, if you pay for the full six months up front you will receive a lower rate than you’d get if you paid per month.

By actively seeking and utilizing discounts, you can maximize your savings while keeping the coverage you need.

Build your credit

In most states, insurers use your credit score as a factor in determining your premium. However, California, Hawaii, Massachusetts, and Michigan don’t allow this. Insurance companies consider your credit score because drivers with higher scores are less risky and file fewer claims. In return, they are rewarded with lower rates. If your score could use some work, consider raising it by paying bills on time, reducing debt, and keeping credit card balances low.

Improving your credit score can take time, but over the long term, it can lead to better insurance rates and help you save money on other financial products as well.

Look for usage-based insurance

Usage-based insurance (UBI) or pay-as-you-drive, is a relatively new option that allows you to pay premiums based on your driving habits. Using telematics devices or smartphone apps, insurers monitor how you drive, including factors like mileage, speed, braking habits, and time of day. Safe and infrequent drivers can often save significantly with this type of auto insurance.

If you don’t drive much, you may qualify for mileage-based programs. Two potential options are a low-mileage discount or a pay-per-mile policy. You could receive a discount via behavior-based programs if you consistently demonstrate safe driving habits, such as smooth braking and avoiding speeding

Ask the auto insurance company if they offer these kinds of plans. If you’re a good candidate, it could lead to substantial savings—especially if you tend to drive less than the average motorist or follow cautious driving habits. Be sure to understand how the data is collected and how your rates will be impacted based on your driving behavior.

What car insurance companies consider when setting rates

Car insurance quotes are determined by several factors, each reflecting the risk an insurer takes by providing coverage. Key elements include your driving record, where a history of accidents or violations can lead to higher premiums. Age and experience also play a role, as younger, less experienced drivers typically face higher rates due to a greater perceived risk.

Vehicle type also matters—expensive cars or those prone to theft can raise premiums, while cars with safety features may lower them. Your location impacts rates too; living in areas with high traffic, theft rates, or accident frequency increases the likelihood of filing a claim.

Insurance companies also consider your credit score in many states, using it as an indicator of responsibility and how likely you are to file a claim. The amount of coverage and deductibles you choose influences your rate—the more coverage, the higher the premium. Lastly, many insurers consider your marital status and gender, though they are weighed less than other factors.

Frequently asked questions

1. What is the average cost of car insurance?

The average cost of car insurance in the U.S. typically ranges from $1,200 to $1,500 per year, depending on factors such as location, driving history, vehicle type, and coverage levels. However, individual rates can vary significantly based on personal circumstances, with some people paying less than $1,000 annually and others paying well over $2,000 for full coverage car insurance.

2. Does comparing coverage impact your credit score?

Comparing car insurance coverage does not affect your credit score. When you shop for quotes, insurers may perform a soft credit check, which doesn’t impact your score. Unlike hard credit inquiries, which occur with loan applications and can slightly lower your score, soft checks are routine and used only to estimate your premium, leaving your credit unaffected.

3. How do you switch your auto insurance?

To switch, compare auto insurance quotes from different providers to find the best rate and coverage. Once you’ve chosen a new insurer, purchase the new policy before canceling your current one to avoid a coverage lapse. Contact your existing insurer to cancel, confirm the cancellation in writing, and ensure you receive any refunds for unused premiums if applicable.

4. How much can you save by switching car insurance?

By switching car insurance, you can save anywhere from 5% to 30% or more, depending on your current premium, driving record, and available discounts with the new provider. Savings vary based on individual circumstances, but many drivers find that comparing rates and switching insurers regularly helps them reduce their annual premiums by hundreds of dollars.

5. Where can I find cheap car insurance?

You can find cheap car insurance by comparing rates from well-known companies. Comparing quotes online can help you find the lowest rates in your area. Be sure to check for discounts like safe driver or multi car insurance bundles to maximize savings.

Bottom line

Switching your car insurance can lead to significant savings without sacrificing coverage quality. Take the time every few months to do a little research on car insurance companies and compare rates. You may just find some new discounts or a lower premium that suits your needs.

Remember to consider factors such as customer service, coverage options, and the company’s reputation alongside cost. Defensive driving, improving your credit score, and exploring usage-based insurance are effective strategies to reduce premiums. Regularly reassessing your insurance needs and rates can keep you from overpaying and help you maintain the best value over time.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

32. Tipping or not tipping has no impact on your eligibility for SpotMe®.

33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.