07.14.25 Auto Insurers Tracking Drivers / Gas Station Credit Card Surcharge Surprise

Summary

The Clark Howard Podcast - Episode Summary: July 14, 2025

Title: Auto Insurers Tracking Drivers / Gas Station Credit Card Surcharge Surprise
Host: Krista
Release Date: July 14, 2025

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1. Introduction

In this episode of The Clark Howard Podcast, host Krista delves into pressing issues affecting consumers today, particularly focusing on the auto insurance industry's evolving practices and unexpected surcharges at gas stations for credit card payments. The discussion is enriched with listener questions, providing practical insights and actionable advice.

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2. Auto Insurers Tracking Drivers

Krista opens the conversation by addressing the significant rise in auto insurance premiums over recent years. She explains that while the industry is stabilizing after tumultuous times during the COVID-19 pandemic—characterized by supply shortages and increased repair costs—insurers are now exploring new methods to offer competitive rates to consumers.

Usage-Based Premiums: Krista discusses the trend of usage-based insurance (UBI), where premiums are determined by driving behavior tracked through devices installed in vehicles. She emphasizes that this approach benefits those who drive cautiously but can penalize drivers with erratic habits.

“If you tend to do rapid stops and starts, crazy lane changes... the fact that you're letting them track you and initially gets you a discount is not going to be your friend over time.”
— Krista [03:45]

Privacy Concerns and Data Tracking: A major concern raised is the invasive tracking practices by insurance companies and automotive manufacturers. Krista highlights instances where companies like GM and Allstate have been scrutinized for selling driver data without proper disclosure.

“Any of the most modern brands know everything. I drive a Tesla, they know every second what I'm doing...”
— Krista [05:15]

She warns consumers about undeclared tracking and data sales, stressing the importance of being aware of how much information is gathered and used.

“That's not okay. As far as shopping, it really is okay to shop for your auto insurance.”
— Krista [05:50]

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3. Listener Questions on Auto Insurance

James from North Carolina on Combined Insurance Rates: James inquires about finding more affordable combined car and home insurance, mentioning his current rate with State Farm.

“When I go to some of these sites that claim they can give you a quote, I end up getting a bunch of calls trying to get my business.”
— James [06:39]

Krista explains the challenge of shopping for insurance online due to insurers purchasing shopping services, which often leads to unwanted sales calls. She recommends manually comparing rates using analog methods, akin to practices from decades past.

“We had to put together an analog guide like it's 1975...”
— Krista [07:09]

Ken from Arizona on Credit Freezes and Insurance: Ken asks whether he needs to thaw his frozen credit to obtain the best insurance rates or when switching companies.

“Is the credit need to be thawed then or can it stay frozen?”
— Ken [08:45]

Krista reassures him that in most states, insurers perform soft inquiries that do not require credit thawing, allowing consumers to maintain credit freezes without hindrance.

“It may, there may be occasionally a problem with one insurer in some state...”
— Krista [09:11]

Todd from Maryland on Loyalty to Amica Insurance: Todd seeks advice on whether to remain loyal to Amica or explore other insurance options, noting that Clark has previously recommended Amica.

“I'm wondering if something has changed regarding the quality of their service that I may not be aware of.”
— Todd [10:32]

Krista affirms Amica's reputation for superior customer service and claims handling but notes that their premiums may not always be the most competitive.

“Is Amica going to be the cheapest? I don't think so. Is Amica generally superior to other insurers...? I would say absolutely.”
— Krista [10:48]

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4. Gas Station Credit Card Surcharge Surprise

Transitioning to another consumer pain point, Krista addresses the unexpected surcharges some gas stations impose on credit card transactions. She explains that while merchants can legally pass on the cost of credit card processing fees, using these surcharges as a profit center often crosses legal boundaries.

Unjustified Markups: Krista shares her observations of gas stations charging significantly higher rates for credit card payments, far exceeding the actual processing costs.

“They have been charging much, much more. And you got to know this is a rip off going on.”
— Krista [12:51]

She underscores the importance of being vigilant at the pump and questioning any additional fees that seem disproportionate to standard processing costs.

Consumer Responsibility: Krista emphasizes that consumers must advocate for themselves and recognize when they're being unfairly charged, differentiating between legitimate cost pass-throughs and outright profiteering.

“There's always that thing of marketing...”
— Krista [19:56]

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5. Listener Questions on Credit Cards and Travel

Trudy from North Carolina on Credit Card Bonuses: Trudy expresses difficulty in managing multiple credit cards that offer signup bonuses but come with high annual fees.

“The problem is what to do with the cards after I get the bonus and the free year is up.”
— Trudy [19:25]

Krista advises letting go of airline-specific cards unless they are regularly utilized. She suggests opting for no-fee cards linked to airlines to maintain active credit without incurring hefty annual charges.

“You dump those cards from Delta and American unless you fly them all the time...”
— Krista [20:13]

Vicki from Florida on Travel Class Savings: Vicki shares a strategy for saving on business class flights by booking mixed-class itineraries and seeks Krista’s thoughts.

“When I choose the lower price seat for the return trip, the entire trip totals the cost of the lower price seat.”
— Vicki [21:33]

Krista critiques this approach, offering an alternative tip to save money by selecting daytime flights and utilizing hotel accommodations, highlighting that sometimes the cost of a hotel stay can be more economical than business class upgrades.

“There’s more and more flights from The east coast of the United States to Europe that are daytime flights...”
— Krista [22:42]

Arlene from Illinois on Fidelity's Cashback Credit Card: Arlene asks about the benefits of a Fidelity credit card offering 2% cashback and whether Fidelity is a reliable issuer.

“Is this a good deal? And Fidelity is they in the credit card business now?”
— Arlene [24:04]

Krista praises the Fidelity credit card, highlighting its versatile cashback options that allow funds to be directed into various Fidelity accounts, making it a flexible and rewarding choice for consumers.

“It's one of the ones we have on our great cashback cards list on clark.com...”
— Krista [24:17]

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6. Conclusion

Krista wraps up the episode by reiterating the podcast's mission to empower listeners with financial advice and resources. She encourages listeners to utilize Team Clark's offerings, including personalized advice and various online tools available at Clark.com and ClarkDeals.com.

“We're all devoted to you with a variety of ways for you to be empowered...”
— Krista [25:00]

The episode concludes on a light-hearted note with Krista and a caller humorously discussing cargo shorts, adding a personal and relatable touch to the informative session.

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Key Takeaways

1. Auto Insurance Trends: Usage-based premiums offer potential savings for safe drivers but come with privacy concerns and the risk of higher rates for high-risk behaviors.
2. Shopping for Insurance: Online comparison can be challenging due to insurers' control over shopping platforms; manual comparison remains effective.
3. Credit Freezes and Insurance: Generally, frozen credit does not impede insurance rate inquiries, thanks to soft inquiry practices in most states.
4. Gas Station Surcharges: Consumers should be wary of excessive surcharges on credit card payments at gas stations and advocate against unfair fees.
5. Credit Card Management: Choose credit cards that align with your spending habits and avoid high annual fees unless benefits clearly outweigh costs.
6. Travel Savings: Consider alternative strategies, such as flight timing and accommodations, to save on travel costs rather than relying solely on business class upgrades.
7. Fidelity Cashback Card: A versatile cashback credit card that can funnel rewards into various investment accounts is a beneficial tool for financially savvy consumers.

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This comprehensive episode of The Clark Howard Podcast offers valuable insights into navigating the complexities of auto insurance, understanding hidden fees in everyday transactions, and making informed financial decisions through strategic credit card usage and travel planning.

Transcript

[Clark Howard]

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[Krista]

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[Krista]

It's great to have you here on the Clark Howard Show. You know our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. I've talked recently about shopping around for auto insurance with rates going up and up. And you need to know all the weird stuff going on in the insurance industry with insurers surreptitiously tracking you and then not weird, the voluntary programs where you allow tracking for discounts later. I've talked about how much I'm in favor of businesses being able to charge you surcharges for using credit cards. Even though I love using reward cards, I think businesses should be able to explicitly charge me for that. But do you know there are businesses that are cheating you with the surcharges? I'm going to tell you what you need to know about that. So with insurance premiums on autos having gone up, up, up and away in recent years, insurers are becoming profitable again. I know you don't want to cry a river for auto insurers, but they had become unstable. They were losing huge amounts of money. Most insurers were losing real money, some more than others. And it was because a lot of things happened during COVID from the supply shortages and the cost that insurers were having to pay. If they totaled somebody's car, they were having to pay much higher money for the total. And the delays in getting vehicles repaired, the cost of getting vehicles repaired following an accident. It was a perfect storm for the auto insurance industry. And guess what? They made it a storm for your My wallet. That is really rearview mirror now, but the harm has already been done to you on my wallet. And other than whatever price increases we're going to have because of the tariffs that are affecting auto insurance, that's a one time effect. The really bad news is in the past, but now people are trying to do Anything to get the rates lower. And so many people are turning to usage based premiums. And this is not a panacea unless you change how you drive. You've got to change how you drive or it's going to be a punishment, not a benefit. Because if you tend to do rapid stops and starts, crazy lane changes, if you are, if you're driving experience shows the insurer that you are a menace on the roads, then the fact that you're letting them track you and initially gets you a discount is not going to be your friend over time. So if you take advantage of this, you've got to be really smart about how you drive. You've got to already be somebody who drives from very, very cautiously and carefully or you've got to become that person that usually what happens when people's behavior is being observed is for a very short period of time, they change their habits, they change their behavior and then they slip back into old habits. This has got to be a real behavior mod on your part. If you put the devices on your car now I want to talk about all the stuff that's been going on that's not okay, where you're being spied on without proper disclosure to you. Apps on your phone that track how you drive and then sell off that data behind your back disclose poorly in those 60 page terms of service that come with an app. And then I told you before about how GM was tracking its customers and then making money by selling off the data. GM got sued, they apologize, they don't do it anymore. But know that the car you drive, the brand of car you have, they know so much about you. And any of the most modern brands know everything. I drive a Tesla, they know every second what I'm doing. And when I'm on Tesla doing the driving for me, I'm required to be looking straight ahead and they're tracking my eyes. And if I look down at something in, in the vehicle, I get a warning and if I do it again, they, for the rest of that drive, take away automation from me and I'm like a real driver like the old days. But there is so much spying there and you just got to know that there's a lot of things happening. Like the thing I told you about with Allstate, where Allstate got sued by the state of Texas because they were spying on people's driving without disclosing it and using it surreptitiously to raise your rates. It's one thing to tell you and use that as a way to Set your rates and you choose. That's okay. It's another thing to be sneaky, underhanded like the GM and the Allstate stuff and the apps that are collecting the data and selling it off. That's not okay. As far as shopping, it really is okay to shop for your auto insurance. Right, Krista?

[Caller]

Really is okay. And let's. We have a question to start out about this from James in North Carolina. With car and home insurance being so high, can I find a more affordable combined insurance? I have State Farm and have been told that their rate is pretty good. Just for the car is it's $120 per month and that's supposed to be a break for combining my insurances.

[Krista]

It's like 1500 a year.

[Caller]

When I go to some of these sites that claim they can give you a quote, I end up getting a bunch of calls trying to get my business.

[Krista]

Okay, James, this is wild that you asked this. Okay, so originally these sites that set up were actually doing what they said they would do. They were shopping multiple insurers and immediately you knew what was available. If you got a quote in just minutes, you would know from this company, this company, this company, this company, this company. Well, insurers were terrified of this. So they went out in the marketplace, they bought up all these shopping services and they pretend to be independent shopping services, but all they are is they're either owned by an existing auto insurer or they are lead generation services where all they're doing is selling off your information and then you get hassled by call, after call, after call because they. You got to give them your phone number. Right? So just know that it requires. It's stupid to say this halfway through 25 that you can't easily shop for something like auto insurance on the Internet, but the industry doesn't want you to be able to. So we had to put together an analog guide like it's 1975, like it's 50 years ago to walk you through how to manually shop for auto insurance from different companies. Should it be that way? Nope.

[Caller]

And that [e-mail] but it is.

[Krista]

That's the reality. Is it is that way.

[Caller]

Ken in Arizona says, I've heard you say that my credit score and history is a factor in getting the best car insurance and homeowners insurance rates. Once I'm established with an insurance company, if I normally keep my credit frozen, do I need to thaw it before each insurance renewal or can they gather enough information on my credit while my credit is still Frozen. How about when shopping for better insurance prices and switching to a different insurance company, does the credit need to be thawed then or can it stay frozen?

[Krista]

What a wonderful question, Ken, and I'm so glad you asked this, because there was a hiccup with credit freezes that pretty much is not present anymore for shopping for auto insurance. In most states, the number one factor in setting your premiums for auto insurance is not how you drive, not if you've had a DUI or dwi. It is what your credit score is, what your credit looks like. And so the industry recognizes, as do the states, that it is common now that this is used. It's also much more common than it used to be that people have frozen their credit, which we all should do. So there was a period of time that this would be a problem, but now it's considered to be what's known as a soft inquiry when an auto insurer checks your insurance. A number of states have laws that explicitly say that an insurer can check your credit even if your credit's frozen. So we don't hear problems from people about this anymore. It may, there may be occasionally a problem with one insurer in some state or something like that, but we don't hear it anymore as something you have to temporarily thaw your credit for.

[Caller]

Todd, MD says do you recommend staying loyal to Amica or should I shop around for home and auto insurance? In the previous years, Clark would recommend Amica fairly often, but lately he hasn't mentioned them. I'm wondering if something has changed regarding the quality of their service that I may not be aware of.

[Krista]

So in our Team Clark Consumer Action center, we do get spotty complaints about Amica, but not very many Amica. And surveys still shows to be of the they're not one of the largest nationwide insurers, but they're one of they're in the next tier down, they're owned by their policyholders, and they still have a great reputation. This is always a tough thing with auto and homeowners insurance. You've got premium and then you have what happens when the chips are down. And Amica has been a superior insurer compared to most anybody in the competition in terms of the quality of service you get and the treatment you get when you do have a claim at fault or not. Amica has been better than others. So this is a tough one because is Amica going to be the cheapest? I don't think so. Is Amica generally superior to other insurers out there on auto and homeowners I would say absolutely. So this is a call you've got to make. Quality in the event something goes wrong versus price when nothing is going wrong. You've been with Amica. You're still with Amica?

[Caller]

I am, yeah.

[Krista]

How long?

[Caller]

It's been at least maybe between 12 and 15 years.

[Krista]

And do you ever freak out by the premiums that show up?

[Caller]

I mean, they're not cheap, but I feel like they've been amazing when again, we've had a problem.

[Krista]

So. Okay, so I don't know if we helped you make a decision there. I want to talk about something straight ahead. You got to be really careful about, and that's businesses cheating you when you pay with a credit card. You got to know this.

[Clark Howard]

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[Krista]

You may or may not have heard this. It was reported on a lot of television stations around the country that there are in the particular thing people have been talking about is gas stations that have been cheating people when you pay for gasoline with a credit card by adding a surcharge of a dollar a gallon when you pay with a credit card. Now under the rules that merchants have in most of their contracts with credit card companies, they can pass on their cost to the customer, but they can't use it as a profit center. And depending on the state, it may be illegal to charge people a ripoff add on fee. But you're the one who's got to know that there are people that are taking something I believe should be the right of a business to not have to swallow whatever rip off charge a bank crams down their throats for taking credit cards and in turn pass on the fees that they actually pay that are profit destroyers for business. And as you've heard me say over the years, we are the only country in the world that faces merchant processing charges fees for taking credit cards that businesses face. That's why we've got all these crazy wonderful reward cards because the banks are ripping off the businesses that accept their credit cards and they act as a cartel. So I'm in favor of businesses being able to pass on the fees. And then I have to choose am I going to pay with a credit card or not because of the cost that that retailer or restaurant or whoever gas station is facing. This is a whole different thing when a business rips you off by charging a huge additional amount. I was driving on an interstate recently and there was a sign flashing with a low price for gasoline on regular gas and then would flash again. It was this crazy higher price for credit. Just so price. First cash, then credit. So what should the difference be if they're only passing on their costs figure about $0.04 per dollar of the cost of the gas. So if the gas is $3, that would be 12 extra cents. But that's not what's going on. That gas station operators have been charging much, much more. And you got to know this is a rip off going on. And you're the one who's got to be your own police officer at the pump or anywhere else where they add on a surcharge. There's a pizza place. I can eat pizza very sparingly now, unfortunately, after having had my heart valve replacement. But they have. What they do is the price that you see on the menu. I'm not looking at a paper menu.

[Caller]

I'm looking on the wall. Yeah. As any. Any good pizza place will have.

[Krista]

Yeah, yeah. So I look up there, the price you see up there is the price if you pay by credit card and then if you pay by cash, suddenly you're paying less.

[Caller]

You feel like you're getting a deal.

[Krista]

That's right. That's right. I like that. So there's always that thing of marketing. So you say, here's the price, but if you give us cash, we're probably not reporting to the irs. You know, allegedly you get this lower price.

[Caller]

All right, let's go to some questions. Trudy in North Carolina says there are so many choices of credit cards, I. E. Miles versus money. I've gotten a few cards, Delta and American Airlines. That gives me a bonus on miles if I spend X amount of dollars. The problem is they're talking about is.

[Krista]

When you sign up for it, the sign up bonus. Yeah.

[Caller]

The problem is what to do with the cards after I get the bonus and the free year is up. I don't like paying an annual fee. If I cancel them and get another card with perks, my credit score would be a mess.

[Krista]

Yeah. So you dump those cards from Delta and American unless you fly them all the time, One or the other, all the time. And what you do Instead is now there are usually cards you can get fee free that for the tie in between the credit card issuer and the airline that do almost nothing for you but you still keep the credit active and you're not paying the huge annual fee you now have to pay going forward. And I just want to reemphasize the credit cards from American, United and Delta. It is the rare, rare person that benefits from them and I see people using them all the time to really make them work. You got to travel at least more than once a month on that airline and you have to have a big charge volume on the card in order to make it worth having and paying because most of the airline cards, the captive airline cards, have extremely high annual fees.

[Caller]

Vicki in Florida says, I truly appreciate all the advice I've received listening to you for many years, especially when it comes to travel and how to save money. My husband and I are retired, both from the army and traveling a lot, especially since both of our daughters are active duty in the army and one is moving to Germany this month.

[Krista]

My goodness, what a family of service to this country. Wow.

[Caller]

And when the daughter moves to Germany along with our grandkids this time I have a hint for you that I recently learned by accident and it's going to save me a lot of money. Although I know you don't like spending money for business class. After many trips of arriving early morning and expecting to start the day full blast, I'm happy to pay for that lie flat seat so I can sleep on the trip for the return trip which always happens during the day. I don't care about the upfront seats. I discovered when booking my flights that I can pick any departing flight in business class for whatever dollar amount, but if I choose the lower price seat for the return trip, the entire trip totals the cost of the lower price seat. This was quite a revelation as it saves a lot of money if I don't fly business class on the return trip. So for all the listeners who aren't quite as cheap as you, they may found this tip useful.

[Krista]

Okay, so I get the idea of going over and paying the business class fare over on a round trip ticket and then saving a huge amount of money by going back and economy. But the round trip fare should not be like what economy would be round trip. I think you found a fluke or something very lucky. I want to give you a tip since you're happy to fly economy if it's not an overnight flight. Do you know there's more and more flights from The east coast of the United States to Europe that are daytime flights. So you get to Europe in the evening, you go to your hotel, you get a good night's sleep in a big bed. Not the lie flat on an airplane. And you save a ton of money cost that hotel night versus the cost of the business class seat. So the airlines charge more for those daytime flights and coach than they do for regular overnights because those flights very heavily have business travelers, but they're still a lot cheaper than what business class would normally be. You get a hotel room yet 300 square feet. Well, in Europe you might get 200 square feet. Got a big bed instead of the little bed you have in business class. Just an idea.

[Caller]

Arlene in Illinois says, I received a credit card offer from Fidelity with 2% cash back. And I believe the cash back has an option to put it in a Fidelity account. Is this a good deal? And Fidelity is they in the credit card business now?

[Krista]

They actually have been doing credit cards for a long, long time. And I love the Fidelity credit card product. The money can go into a variety of Fidelity accounts. It can go in a Fidelity College Savings Plan, 529plan. The money can go into a Fidelity retirement account, go into a Fidelity traditional investment account. 2% cash back, everything you spend. It's a great card. It's one of the ones we have on our great cashback cards list on clark.com different ones for different people's purposes, different situations. But cash is king points, not so much. There may be more of the clown prince. So thank you so much for joining us on today's podcast. And I hope your Bastille Day has been wonderful. And know what we're all devoted to. That's you with a variety of ways for you to be empowered. From free one on one advice from our Team Clark Consumer Action center to our newsletters, our social media, our websites, clark.com and clarkdeals.com our podcast, our YouTube show, our YouTube shorts all there. Not because I always wear shorts all the time. That means shorter versions, clips on YouTube. I mean, think about it. Why would you not wear shorts? Think how much less fabrics involved, how much cheaper the clothes are. Absolutely. Shorts rock. Should we show my legs to our YouTube viewers?

[Caller]

Sure, go for it.

[Krista]

You don't think we'll make them throw up?

[Caller]

Show them the cargo shorts.

[Krista]

See, I'm wearing. These are from Walmart. Got my legs right there.

[Caller]

You can tell when Clark's gonna use for now because you hear that from this, the. What do you call that? Velcro Velcro.

[Krista]

Yeah. So these are George shorts from Walmart. They're pretty expensive. I think they're 11.

[Caller]

Whoa.

[Krista]

More than I like to spend, but I'm telling you.

[Caller]

But they double as a purse. Immerse.

[Krista]

Immerse by having the pockets. Yeah. So the other night I was at a nice restaurant with friends, and I checked the dress code before I went, and it was okay to wear shorts there. But the couple I was going with tend to be dressier, so I hated to do it. I change clothes, put on dress up shoes, long pants, still wore a golf shirt, and I got there and walking all around the restaurant, guys in shorts and tennis shoes. Oh, man, what a waste being that uncomfortable. What did that have to do with anything? Nothing at all. But have a great, great day and we'll be with you on Wednesday.