but i'm not not a financial advisor, so don't hold me to it lol

use something like policygenius to compare term rates with the one you got from your home/auto insurer. make sure to use fake contact info if they ask cause i know some of these sites harass you with spam after they provide you with the comparisons. you may also want to use info that's slightly off when you're just browsing (e.g. birth date 10 days off, zip code of the next town over...) because those sites are definitely storing a lot of data