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Government's Big Beautiful Bill: New Comparison Tool Very Few Seniors Know About

Sean Freeman - Deal Finders Staff Writer

By Sean FreemanDecember 11, 2025

Veteran showing approved insurance rates on phone - $235/Mo vs $291/Mo savings

Insurance commissioners in 37 states just confirmed what drivers suspected: You've been overcharged for years. The question is, will you claim what you're owed?

If you've been with the same insurer for 3+ years, regulatory audits show you're overpaying by an average of $483/year. It's called "loyalty penalty pricing" and it's perfectly legal.

But here's what they didn't expect: A new comparison tool that the government has released through the Big Beautiful Bill now shows your exact overpayment amount in real-time. Insurance companies are scrambling to block it.

The results are shocking. One Toyota owner discovered State Farm was charging her $2,100/year. The exact same coverage elsewhere? $597.

Act fast: Insurers are lobbying to shut down these comparison tools ASAP. Once they do, you're back to calling agents one by one.

Instant check if you:

โœ“Haven't switched insurers in 3+ years
โœ“Have a clean driving record
โœ“Own a 2015 or newer vehicle