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So glad you're here with us on the Clark Howard Show,

where it's about you learning ways to save more and spend less.

And don't let anyone ever whip you off our websites,

clark.com and clarkdeals.com.

I just got an email from my insurer for auto telling me

that I was getting a price cut because of how few accidents

and the costs that they're experiencing,

ensuring me at my insurer.

Now I am with a mutual insurer where it's essentially owned by its policy

holders.

So the savings end up being passed on to me.

But I saw industry data recently that found that insurers

after being pretty generous early in coronavirus in the spring,

...