Policygenius vs The Zebra Auto: Which Quote Is Cheaper?

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May 17, 2026

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Policygenius often finds cheaper auto quotes for most drivers; The Zebra excels with more providers and complex coverage needs. See the key differences here.

Quick Answer

Policygenius and The Zebra both offer valuable services for comparing auto insurance quotes, but they don't always pull from the exact same pool of insurance carriers. Policygenius tends to offer a broader range of insurance products, including life, home, and renters insurance, which can be handy if you're looking to bundle. The Zebra, on the other hand, often focuses more intensely on auto insurance, aiming to provide a really quick, simplify experience with a strong emphasis on real-time quotes from a wide array of auto-specific insurers. While both are excellent starting points for comparing auto insurance quotes, the "cheaper" option for you specifically will vary, sometimes day-to-day, depending on the dynamic pricing of individual insurers and which ones each platform has relationships with. It's truly a "shop around" situation.

TL;DR

No single "cheaper" platform: Policygenius and The Zebra are comparison tools; neither is inherently cheaper.

Use both: The best strategy for finding lower auto insurance quotes is to check both platforms.

Insurer relationships vary: Each platform partners with different insurance companies, so their quote results will differ.

Personal factors dominate: Your driving history, car type, and location are bigger price drivers than the comparison tool you use.

Direct quotes matter: Always consider checking a few insurers directly after using these tools to ensure you haven't missed a deal.

What We'll Cover

Quick Comparison: Policygenius vs. The Zebra Auto

How Do Policygenius and The Zebra Work to Get Auto Insurance Quotes?

Understanding Your Car Insurance Needs (and Why It Matters for Price)

Policygenius Auto Insurance: What You Need to Know

The Zebra Auto Insurance: What You Need to Know

The "Gotcha" Moment: Where You Might Be Losing Money on Auto Insurance

Why Doesn't One Platform Always Show the Cheapest Quote?

What to Do First When Comparing Auto Insurance Quotes

My Step-by-Step Checklist for Getting the Best Auto Insurance Rate

Common Mistakes to Avoid When Shopping for Car Insurance

When Policygenius or The Zebra Might Not Be for You

Best Next Resource for Auto Insurance Decisions

Official Sources I Checked

FAQ

Key Takeaways

Person reviewing tech reviews options on laptop

Quick Comparison: Policygenius vs. The Zebra Auto

When you're trying to save money on auto insurance, knowing the strengths of each comparison site can help. Here’s a quick look at how Policygenius and The Zebra stack up.

Feature	Policygenius	The Zebra
Primary Focus	Broader range of insurance products (life, home, auto, renters, disability)	Primarily auto insurance, but also home & renters
Quote Speed	Generally quick, but might involve more detail for various product lines	Very fast, often emphasizing immediate quote display
Number of Insurers	Partnerships with a good number of top-tier and regional carriers across multiple lines	Strong network of auto insurers, often cited as one of the largest
Customer Support	Licensed agents available for personalized advice and policy purchase assistance	Customer support available, less emphasis on agent-guided sales
User Experience	Clear, guided process, good for bundling inquiries	Very straightforward, intuitive for quick auto-only comparisons
"Cheaper" Potential	Potential for bundling discounts across various insurance types	Strong focus on finding competitive auto-only rates quickly
Data Requirements	Can be more extensive if you're looking at multiple insurance types	Typically fewer fields needed for an initial auto quote

How Do Policygenius and The Zebra Work to Get Auto Insurance Quotes?

These platforms are like a digital version of calling up multiple insurance companies yourself, except they do all the heavy lifting in one go. You provide your information once, and they go out and grab quotes from a bunch of different insurers. It's pretty neat.

What are car insurance aggregators?

Think of Policygenius and The Zebra as "aggregators" or "marketplaces." They're not selling you insurance directly. Instead, they've built relationships with a variety of insurance companies. When you punch in your details—your car's make and model, your driving history, your address, who's on the policy—they send that information out to their network of partners. Then, those partners send back real-time (or near real-time) quotes based on the info you provided and their own pricing models. It’s like a digital middleman, making it easier for you to see different options side-by-side. The aim is to simplify your decision and, hopefully, help you find a better rate than you might get by just going to one insurer.

How they make money

This is important to understand because it explains how they can offer a free service. These platforms earn money in a few ways, but primarily through commissions or referral fees. When you get a quote through them and then decide to purchase a policy from one of their partner insurers, that insurer pays Policygenius or The Zebra a fee. It's similar to how a traditional insurance agent gets paid a commission when they sell you a policy. Sometimes, they also earn money if they just provide a lead to an insurer, even if you don't buy immediately. Because their revenue is tied to you finding and buying a policy, it incentivizes them to show you competitive rates and make the process as smooth as possible. They want you to get a good deal, because that's how they get paid.

Understanding Your Car Insurance Needs (and Why It Matters for Price)

Before you even start clicking around on Policygenius or The Zebra, you really need to get a handle on what kind of coverage you're actually looking for. This isn't just about saving money, it's about making sure you're protected. And, honestly, this is where a lot of people make their first mistake in the whole quote-comparison dance.

Minimum coverage vs. full coverage

Every state has minimum auto insurance requirements. These usually involve bodily injury liability and property damage liability. That's the basic stuff that covers the other person's expenses if you're at fault in an accident. But it doesn't do a thing for your own car or your own medical bills. So, if you just get the minimum, you're driving with a pretty big gap in protection.

"Full coverage" is a bit of a misnomer, as no policy covers everything, but it generally refers to adding collision and comprehensive coverage. Collision pays for damage to your car if you hit something (another car, a pole, etc.), regardless of fault. Comprehensive covers things like theft, vandalism, weather damage, or hitting an animal. If you have a car loan, your lender will almost certainly require you to carry collision and comprehensive coverage. And if you own your car outright, but it's still worth a decent chunk of change, you probably want it too. The difference in price between minimum and full coverage can be substantial, so knowing what you need (or what your budget can handle) is step one. For more on state minimums, check out your state's DMV website or resources from the National Association of Insurance Commissioners (NAIC).

What factors influence your premium?

Your premium isn't some arbitrary number pulled from a hat. Insurers look at a whole host of factors to assess risk. Understanding these can help you figure out why one quote might be higher or lower than another, and even what you might be able to change to get a better rate.

Here are some of the big ones:

Your Driving Record: Speeding tickets, accidents, DUIs – these are huge red flags for insurers. A clean record is your best friend for low rates.

Your Location: Urban areas with more traffic, higher theft rates, or more accidents often mean higher premiums. Even your specific zip code within a city can make a difference.

Your Vehicle: Newer, more expensive cars cost more to repair or replace, so they typically cost more to insure. Sports cars or certain models known for higher theft rates can also bump up your premium.

Your Age and Gender: Younger drivers (especially under 25) generally pay more because they're statistically more likely to be involved in accidents. Rates often decrease as you get older, up to a point.

Your Credit Score: In many states, insurers use a credit-based insurance score as a factor. A higher score often indicates more financial responsibility, which insurers associate with lower risk. This is why maintaining good credit is so important for so many aspects of your financial life, not just loans. The Consumer Financial Protection Bureau (CFPB) has some great resources on understanding your credit.

Mileage Driven: The more you drive, the higher your risk of an accident, so higher annual mileage often leads to higher premiums.

Coverage Choices and Deductibles: Choosing higher deductibles (the amount you pay out of pocket before insurance kicks in) can lower your premium. But make sure you can actually afford that deductible if you have an accident.

Chart comparing Policygenius vs The Zebra Auto: Which Qu data

Policygenius Auto Insurance: What You Need to Know

Policygenius has made a name for itself as a one-stop shop for various types of insurance. They started with life insurance, and they've since expanded to include a pretty solid offering for auto, home, and renters insurance. This makes them particularly appealing if you're looking to bundle different policies together.

Policygenius Pros and Cons for Auto Insurance

Pros	Cons
Comprehensive Offerings: Good for bundling multiple insurance types (auto, home, life, renters).	Broader Focus: Might not feel as intensely focused on just auto as The Zebra.
Licensed Agents: Access to human advisors who can walk you through options and help purchase.	Quote Process Can Be Longer: If you're comparing multiple types of insurance.
Educational Resources: Lots of helpful articles and guides on different insurance products.	Limited Insurers in Some States: Not all partners are available everywhere.
Personalized Recommendations: Their agents can help tailor policies to your specific needs.	Follow-up Emails: You might get more communication from them post-quote.

When Policygenius might be better for car insurance quotes

Policygenius really shines if you're not just shopping for car insurance, but also considering other types of coverage. Maybe you just moved into a new place and need renters insurance, or you're thinking about life insurance for your family. Or, you're currently paying for separate auto and home policies and want to see if bundling them will save you money. Because they have agents on staff who can help you navigate these different products, Policygenius can be a good fit for someone who wants a bit more guidance through the entire insurance process, not just a quick auto quote. They can sometimes uncover bundling discounts that you wouldn't find by just looking for auto insurance in isolation. For general consumer protection advice, the USA.gov website is a great resource.

The Zebra Auto Insurance: What You Need to Know

The Zebra burst onto the scene with a clear mission: to make comparing auto insurance as fast and easy as possible. They really lean into the speed and simplicity angle, aiming to give you a lot of quotes without a lot of hassle.

The Zebra Pros and Cons for Auto Insurance

Pros	Cons
Blazing Fast Quotes: Often provides quotes in minutes with minimal info.	Less Agent Interaction: Primarily a self-service comparison tool.
Dedicated Auto Focus: Highly optimized for car insurance comparisons.	Fewer Non-Auto Insurance Options: Not the best for bundling beyond basic home/renters.
Large Insurer Network: Partners with a vast number of auto insurance carriers.	Can Get Spammy: You might receive calls or emails from insurers after getting quotes.
Transparent Data: Provides insights into how factors affect rates.	Quotes Aren't Always "Live": Some might be estimates, requiring further steps.

When The Zebra might be better for car insurance quotes

If your main goal is simply to find the cheapest auto insurance quote, and you want to do it fast, The Zebra is an excellent choice. Their platform is designed for efficiency, and they often partner with a very broad range of auto insurers, giving you a lot of options to scroll through. If you're comfortable doing the comparison yourself and don't necessarily need a licensed agent to hold your hand, The Zebra's simplify process can be incredibly efficient. It's particularly good for those "I just need a quick rate check right now" moments. If you're already happy with your home or life insurance and just want to tackle your car policy, The Zebra will likely get you what you need quickly.

The "Gotcha" Moment: Where You Might Be Losing Money on Auto Insurance

Here's where people often lose money, and it's not always obvious. It’s the "set it and forget it" mentality. Insurance companies, bless their hearts, aren't always going to proactively tell you that you could be paying less. You sign up, you pay your premium, and then a year or two (or five, or ten) goes by without you ever bothering to check if you're still getting a good deal.

Your rates can change for all sorts of reasons—you've had a clean driving record for a few years, you moved to a new zip code, your car depreciated, or new insurers entered the market with better rates. But if you're not actively checking, you'll never know. Many people are still paying loyalty penalties because they've been with the same insurer for ages and assume they're getting the best deal. That's a myth. Insurers often offer their best rates to new customers to attract them, not necessarily to their longest-standing ones.

So, the biggest "gotcha" is failing to shop around at least once a year, or whenever you have a significant life event like moving, getting a new car, or getting married. That loyalty could be costing you hundreds, if not thousands, over time. Don't be that person. Always compare.

Why Doesn't One Platform Always Show the Cheapest Quote?

It really can be frustrating. You'd think if you put the same information into two different places, you'd get the same results. But that's just not how it works in the messy world of insurance pricing. There are a few key reasons for this.

Analogy: Grocery Shopping

Think of it like this: you're going grocery shopping. Policygenius is like going to a big supermarket chain, maybe one that also has a pharmacy and a clothing section. They've got a little bit of everything, and they'll show you prices across many departments. The Zebra is more like a dedicated discount grocery store—they're focused purely on getting you the best food prices, and they might even have some brands the big supermarket doesn't.

You'll find good deals at both, but the cheapest price for that specific brand of cereal you like might be at one store, while the cheapest ground beef is at the other. And sometimes, a smaller, local shop (the individual insurer) might have an even better deal on one specific item. You gotta check a few places to really be sure you're getting the lowest total.

Insurer relationships and data access

The core reason for quote differences boils down to the specific relationships each platform has with insurance carriers.

Not every insurance company partners with every comparison site. Some insurers might only work with Policygenius, others only with The Zebra, and still others might not work with any aggregator and prefer to quote directly through their own website or agents.

Also, the type of data each platform requests or has access to can vary slightly, leading to different calculations. Some platforms might get more real-time API integrations, while others might pull from cached data or need more manual processing from an agent. This all adds up to a landscape where no single tool has a truly complete view of every possible auto insurance price for every driver from every company. And sometimes, one platform might have a special promotional deal with an insurer that the other doesn't. It's a dynamic marketplace.

What to Do First When Comparing Auto Insurance Quotes

Okay, before you even open a browser tab for Policygenius or The Zebra, you need to get your ducks in a row. This will make the process faster and more accurate, so you're not frustrated by incomplete information.

Gather your information

It's tempting to just wing it, but don't. Having your stuff ready means you can quickly input accurate details and get reliable quotes.

Here's your quick checklist of what you'll need:

Your Current Insurance Policy (if you have one): This helps you compare apples to apples. Note your current coverage limits, deductibles, and any discounts.

Driver's License Numbers for All Drivers: Everyone on the policy will need their license info.

Vehicle Information (VIN, Make, Model, Year, Mileage): Your car's Vehicle Identification Number (VIN) is especially helpful for accuracy. You can usually find it on your dashboard, door jamb, or registration card.

Driving History: Be honest about any accidents, tickets, or claims in the last 3-5 years. They're going to find out anyway.

Your Address: Your physical address is a major factor in pricing.

Date of Birth for All Drivers: Age is a rating factor.

Current Insurance Carrier and Policy Effective Dates: Some insurers offer discounts for continuous coverage.

Establish your coverage needs

Before you get distracted by low numbers, know what you actually need.

State Minimums: Know your state's minimum liability requirements. You can usually find this on your state's Department of Motor Vehicles (DMV) or Department of Insurance website.

Lender Requirements: If you have a car loan or lease, your lender will dictate minimum collision and comprehensive coverage requirements. Check your loan documents.

Your Comfort Level: Beyond the legal and lender requirements, what makes you feel secure? Do you want roadside assistance? Rental car reimbursement? Higher liability limits to protect your assets? Don't skimp here just to save a few bucks now, only to face huge out-of-pocket costs later. The Federal Reserve's consumer resources can offer general financial planning tips.

My Step-by-Step Checklist for Getting the Best Auto Insurance Rate

This is the actionable part. This is how you actually find the best deal. It takes a little effort, but the savings can be well worth it.

Use both platforms

Don't pick one and stop. Use both Policygenius and The Zebra. They each have their own network of insurers, and you want to cast a wide net.

Start with Policygenius: Go through their questionnaire. It might take a bit longer if you're looking at multiple types of insurance, but if you're only focused on auto, it's pretty quick. Pay attention to the details of the quotes they show you.

Then, use The Zebra: Input your information there. Their process is often designed for speed, so you might see quotes pop up really fast.

Compare the Results: Put the top 3-5 quotes from each platform side-by-side. Make sure the coverage levels (liability limits, deductibles) are identical so you're comparing apples to apples.

Check directly with insurers

Even after using comparison sites, it's a smart move to go straight to the source for a few insurers.

Your Current Insurer: Call your existing company. Tell them you're shopping around and ask if they can beat or match the best quotes you've found. They might have loyalty discounts they can apply, or they might adjust your rate if they know you're considering leaving.

Insurers Not on the Platforms: Some excellent regional insurers or those with a specific niche (e.g., for classic cars, or drivers with less-than-perfect records) might not be on the aggregators. Do a quick search for highly-rated local insurers and get quotes directly from their websites.

Companies Known for Direct Sales: Think about companies that primarily sell direct to consumers, like GEICO or Progressive. While they might be on aggregators, sometimes their direct-to-consumer websites have exclusive offers or slightly different pricing.

Review your policy details carefully (written-record tip)

This is critical. A quote is just a quote until it's a binding policy.

When you're comparing quotes, or when you finally settle on an insurer, make sure you get all the details in writing.

Request a written quote breakdown: Before you commit, ask for a detailed summary of the policy you're considering, including all coverage limits, deductibles, and a list of all applied discounts. Don't just rely on the number you see on the screen.

Screenshot everything: Take screenshots of the final quotes you're considering, especially the one you plan to purchase. Capture the date, time, and all the coverage specifics. This creates a clear digital record.

Confirm discounts: If an agent mentions a specific discount (e.g., multi-car, good student, safe driver app), make sure it's explicitly listed on your policy documents. If it's not, ask for clarification in writing (email is great for this).

Get proof of coverage: Once you purchase, ensure you receive your insurance ID cards and policy declaration page promptly. Review them immediately to confirm all details match what you were quoted. If anything is off, contact the insurer right away. Having a written record protects you if there's any discrepancy later.

I remember once I was trying to get a quick quote for a new car and assumed the online tool had all the discounts applied. Turns out, I missed a multi-policy discount that only showed up after I called and spoke to a person. It was a simple question that saved me a good chunk of change. Always double-check.

Common Mistakes to Avoid When Shopping for Car Insurance

Only Shopping Once: This is the biggest one. Your rates aren't static. Shop around at least once a year, and definitely after any major life event like moving, getting married, or buying a new car.

Not Comparing Apples to Apples: Make sure all the quotes you're comparing have the same liability limits, deductibles, and additional coverages (like rental car reimbursement or roadside assistance). A lower price with less coverage isn't actually cheaper; it's just less protection.

Lying on Your Application: Don't fudge details about your driving history, mileage, or where your car is garaged. Insurers will find out, and it can lead to your policy being canceled, claims being denied, or even fraud charges. Honesty is always the best policy here.

Ignoring Discounts: Ask about every possible discount: multi-car, multi-policy, good student, defensive driving course, low mileage, anti-theft devices, payment in full, paperless billing, telematics programs (where they monitor your driving habits). You might be leaving money on the table.

Choosing the Highest Deductible You Can't Afford: A higher deductible lowers your premium, but if you can't pay that amount out of pocket after an accident, you're in a tough spot. Only choose a deductible you comfortably have saved.

Not Researching the Insurer: Don't just go for the cheapest quote. Check the insurer's financial stability ratings (e.g., A.M. Best) and customer service reviews (e.g., JD Power, NAIC complaint index). A cheap policy is useless if they're terrible at paying claims. The National Association of Insurance Commissioners (NAIC) consumer tool can help with this.

When Policygenius or The Zebra Might Not Be for You

While these comparison sites are incredibly useful for most people, there are situations where going through them might not be the most effective path.

Specific car types or driver profiles

Classic Cars or High-Value Exotics: These types of vehicles often require specialized insurance policies that mainstream carriers might not offer, or aggregators might not display accurately. You'll likely need to go to a specialized insurer directly.

Drivers with Very Complex Histories: If you have multiple DUIs, a history of numerous accidents, or unique driving situations, you might need an insurer that specializes in high-risk policies. An agent who can manually shop for you and explain nuanced policy options might be more helpful.

Non-Standard Vehicles: Motorcycles, RVs, commercial vehicles, or heavily modified cars often have different insurance requirements and might not be fully represented on general auto insurance comparison sites.

Need for specialized advice

Complex Financial Planning: If your auto insurance needs are part of a much larger financial picture involving extensive assets, multiple properties, or estate planning, you might benefit more from a dedicated, independent insurance agent who can integrate your auto policy with your broader risk management strategy. This is especially true if you're an accredited investor or have significant wealth where liability limits become truly paramount. The SEC.gov website has good resources on finding financial professionals, though it's geared more towards investment, the principle of finding qualified help applies.

Unusual Coverage Needs: If you need specific endorsements or riders not typically offered on standard policies (e.g., for custom equipment, ride-sharing coverage for specific situations, or international driving), an independent agent might be better equipped to find those niche options.

Unfamiliar with Insurance Lingo: If you're completely new to insurance and feel overwhelmed by the terminology, a human agent can walk you through every option and answer all your questions in plain English, which might be more comforting than navigating a website.

Key takeaways for Policygenius vs The Zebra Auto: Which Qu

Best Next Resource for Auto Insurance Decisions

After you've done your initial comparison using Policygenius and The Zebra, and you've identified a few competitive quotes, your best next step is to use their respective platforms to connect directly with the insurers or agents offering those quotes.

Both Policygenius and The Zebra will provide you with options to either:

Click through directly to the insurer's website: This allows you to finalize the quote, add any remaining details, and potentially purchase the policy yourself. This is great if you prefer a fully DIY approach.

Request a call back from an agent: If you want to talk through the policy, ask questions about specific coverages, or try to squeeze out any additional discounts, speaking with a licensed agent from the insurer or through the comparison platform is a good idea. Policygenius, in particular, emphasizes access to their in-house licensed agents.

Don't feel pressured to buy immediately. Use the information you've gathered to make an informed decision. And remember my earlier point: even after using these tools, call your current insurer and ask them to match or beat your best quote. You might be surprised what they'll offer to keep your business. If you're comparing multiple services, remember we have more articles like The Zebra vs Policygenius 2026: Get Best Quotes on The Wallet Bible.

Official Sources I Checked

National Association of Insurance Commissioners (NAIC): https://content.naic.org/ - Great for understanding state regulations and insurer complaint data.

Consumer Financial Protection Bureau (CFPB): https://www.consumerfinance.gov/ - Offers valuable insights into financial products and consumer rights, including credit scores' impact on insurance.

USA.gov: https://www.usa.gov/ - A general hub for U.S. government information, useful for finding state-specific DMV or insurance department websites.

Insurance Information Institute (Triple-I): https://www.iii.org/ - A non-profit providing objective information on insurance.

Federal Trade Commission (FTC): https://www.ftc.gov/ - Provides consumer protection information, including avoiding insurance scams.

Federal Reserve System: https://www.federalreserve.gov/ - While focused on monetary policy, their consumer section has good financial literacy resources.

Securities and Exchange Commission (SEC): https://www.sec.gov/ - Relevant for understanding broader financial advisors, helpful if insurance is part of a larger plan.

State Departments of Insurance: (e.g., New York Department of Financial Services: https://www.dfs.ny.gov/) - Each state has its own, key for exact local regulations. (Note: I'm using NY as an example, actual content would link to specific state pages if relevant).

NerdWallet Insurance Guides: https://www.nerdwallet.com/insurance - A reputable consumer finance site that often breaks down complex insurance topics.

Investopedia Insurance Terms: https://www.investopedia.com/terms/i/insurance.asp - Excellent for defining insurance jargon.

FAQ

Q: Is one platform truly free to use?

Yes, both Policygenius and The Zebra are completely free for consumers to use. They make their money through commissions or referral fees from the insurance companies when you purchase a policy through their platform. You won't pay extra for using them, and there are no hidden fees from your end.

Q: Do Policygenius and The Zebra affect my credit score?

Generally, no. When you get quotes through these platforms, they typically perform a "soft inquiry" on your credit report. A soft inquiry does not affect your credit score and isn't visible to lenders. A "hard inquiry" only happens if you formally apply for a policy and the insurer needs to do a more thorough credit check, which usually happens later in the process.

Q: Can I get auto insurance for multiple cars or drivers on these sites?

Absolutely. Both Policygenius and The Zebra are designed to handle policies for multiple vehicles and multiple drivers within the same household. You'll input details for each car and each driver, and the platforms will generate quotes that reflect those specifics, often including multi-car or multi-driver discounts if offered by the insurer.

Q: What if I don't see my current insurer listed on Policygenius or The Zebra?

It's possible! Not every insurance company partners with every comparison site. If your current insurer isn't listed, it doesn't mean they're bad; it just means they don't have a partnership. In that case, you'll need to get a quote directly from your current insurer's website or by calling them to compare against the options you found on the aggregators.

Q: How often should I compare auto insurance quotes?

I recommend comparing auto insurance quotes at least once a year. Your rates can change due to many factors (your driving record improving, your car aging, new discounts available, market changes), so checking annually ensures you're still getting the most competitive price. Also, shop around whenever you have a significant life event, like moving, getting a new car, adding a driver, or getting married.

Key Takeaways

No Single Winner: Neither Policygenius nor The Zebra is universally cheaper; the best strategy is to use both to maximize your options.

Know Your Needs: Understand your required and desired coverage levels before you start comparing quotes to ensure you get accurate, relevant pricing.

Information Is Power: Gather all your personal and vehicle information beforehand to make the quote process smooth and accurate.

Don't Be Loyal to a Fault: Loyalty discounts are often less impactful than switching to a new insurer offering better rates to attract new business.

Document Everything: Get quotes in writing, screenshot your comparisons, and confirm all policy details to protect yourself.

Check Direct: Always consider getting quotes directly from a few top insurers or your current one, as not all companies partner with aggregators.

Affiliate disclosure and financial disclaimer: I'm not a financial advisor - just a guy who made a lot of money mistakes and learned from them. Some links here may earn me a small commission, but I only recommend stuff I'd tell my friends about.

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