Why December is the Perfect Time to Switch to Lemonade Insurance (Before Rate Hikes Hit)
- Brian Hunt Coleman
- 6 minutes ago
- 3 min read
Lock in lower rates now and start the new year with one less worry - and more money
It's mid-December, and while everyone else is stressed about holiday shopping, I'm about to share why this is secretly the smartest time of year to switch your insurance to Lemonade.
No, this isn't about holiday sales or seasonal discounts. It's about timing the insurance industry's pricing cycles perfectly - and saving yourself from the January rate hikes that are coming for everyone else.
The January Rate Hike Secret Insurance Companies Don't Advertise
Here's what traditional insurance companies don't want you to know: January 1st is when most major insurers implement their annual rate increases. They count on you being distracted by holidays, then too busy with New Year's resolutions to notice your bill just went up 10-20%.
Why December is the Insurance Industry's Best-Kept Secret
1. Lock in This Year's Rates
Insurance actuaries set next year's rates in October/November. By switching in December, you're grabbing current year pricing before the inevitable increases. It's like buying gas before a price hike you know is coming.
2. Tax Benefits You Can Still Claim
If you run a home office or have rental properties, December insurance payments can still count for this year's deductions. Plus, Lemonade's detailed digital receipts make tax filing easier than traditional insurers' paper chaos.
3. The "Fresh Start" Advantage
Starting January 1st with new, lower insurance rates feels like giving yourself a raise. While everyone else complains about holiday debt, you'll start the year already saving money.
The 90-Second December Lemonade Insurance Switch
Here's the beautiful part - while your relatives are arguing about politics at dinner, you can literally get covered in less time than it takes to make coffee:
Visit Lemonade Insurance (30 seconds)
Answer simple questions (45 seconds)
Your address
What you're insuring
Basic coverage amounts
Get instant quote (15 seconds)
Start coverage (immediate)
No phone calls. No agents. No "we'll get back to you after the holidays."
Why Lemonade Insurance in December Beats January Shopping
Immediate Coverage = Peace of Mind
December is when package thefts spike. Having renters insurance that covers stolen deliveries? That's worth switching for alone. Lemonade's claims process is so fast, you could file a claim on December 26th and have money by New Year's Eve.
The "Giveback" Happens in December
Here's something unique: Lemonade takes leftover premiums and donates them to charity each year through their "Giveback" program. When you join in December, you're immediately part of a community that turned insurance into something that actually helps people.
Beat the January Rush
Come January 2nd, everyone who got hit with rate increases will be shopping for new insurance. Lemonade's AI can handle the volume, but why wait in any queue when you can switch now in literal seconds?
The December Doubts (And Why They're Wrong)
"But I'm too busy with holidays!" That's exactly why this works. It takes 90 seconds. You've spent longer reading this post.
"Shouldn't I wait for New Year's deals?" Insurance doesn't work like retail. January means new (higher) actuarial tables, not sales.
"What if I need to make a claim during the holidays?" Lemonade's AI handles claims 24/7. I've seen claims approved at 11 PM on Christmas Eve. Try getting that from traditional insurance.
Your December Action Plan
Today: Check what you're currently paying for insurance (bet it's more than you remember)
Before December 20th: Get a quote from Lemonade (90 seconds, no commitment)
Before December 31st: Switch if you'll save money (spoiler: you probably will)
January 1st: Start the year already winning
The Bottom Line
While everyone else is making resolutions they'll break by February, you can make one smart financial move in December that pays you back all year long.
Traditional insurers are counting on holiday distractions to slip through rate increases. Lemonade is counting on smart people like you to see through that game.
Ready to lock in lower rates before the calendar flips?
About This Post
I've been testing and reviewing insurance options for Reclaim Saturday readers for two years. Lemonade consistently wins on price, speed, and actually paying claims without hassle. Yes, I earn a commission if you sign up, but I'd recommend them anyway - the savings speak for themselves.
