Michelle

• Years of experience in the direct sales industry. 

• GDM L5 Affiliate. 

• My team helped 500+ families join GDM.

A New BMW Pulled Up — And Our Car Insurance Bills Spiked

It was supposed to be a highlight of my year. Two years ago, for my son’s 18th birthday, he had his heart set on a BMW. For 17 years, I'd worked in the life insurance industry. When it came to my kids, I'd always tried to give them what they wanted. So, without test-driving or comparing prices, I just signed the paperwork.

Little did I expect that this moment of motherly love would unexpectedly turn into a family crisis.

This past March, my husband, Oswaldo, opened the car insurance bill, and his face clouded over. “Do you know our costs went up again this year?” he asked.

To be honest, I hadn’t been paying attention. Ever since our son started driving, Oswaldo had always handled the bills. I couldn't even tell you the difference between collision and comprehensive. But that night, I finally realized something eye-opening: The annual insurance for our family's three cars has skyrocketed beyond expectation. We hadn't had an incident for years, so it felt like we were just giving away a big chunk of our income to a corporation.

A Casual Chat That Changed Everything

The very next day, still reeling from the argument, Oswaldo ran into an old friend, Sandy, at a restaurant. "How's life been treating you recently? Feeling stressed?" Sandy asked casually. "Don't even get me started," Oswaldo sighed. Sandy just smiled. "Tell Michelle to come see me. I may have a solution that fits your situation."

That night, I drove to Palo Alto and ended up talking with Sandy until 1 a.m. This was the night I finally understood what GDM was all about.

• GDM is not insurance. It's an AI-powered community where members help each other with vehicle repair costs. You pay a 20% service fee upfront; the remaining 80% stays in your bank account as a pledge amount.

• If you never have an accident, you'll only chip in a small amount toward repair costs when other community members get into accidents. If you do have an accident, you first cover the repair costs with your out-of-pocket amount and your remaining pledge balance — and any leftover cost will be shared by the other members the same way. Whatever's left after the 6-month cycle — with no accidents on your end — is what you've saved.

I decided to give it a try. When Sandy ran the numbers for us, I was stunned.

With GDM, if I keep an accident-free record over a 6-month plan, I could save up to 40% compared to my GDM original quote.* I still keep my liability insurance through my original provider.

Even better, GDM wasn't just about savings. I learned that they had a massive network of over 5,000 repair shops and a quick, personal response time after an incident. It was the kind of "warm and fuzzy security" I'd always wanted from a company.

500+ Families, Thousands in Smiles — And I Made It Happen

My journey with GDM started just to lighten our family's situation, and it quickly turned into a passion. I realized so many other families are just like us — confused by their bills, overpaying for car insurance every year. So I started asking people a simple question: "Did you know you may save up to 40% with an accident-free record? "*

Most people shook their heads, their faces a mix of surprise and curiosity. I started inviting friends over for weekend coffee chats, talking them through my time with GDM and explaining what makes it helpful: specifically, how it rewards drivers who keep a safe record.

When they saw the numbers — the potential savings from being accident-free — they couldn't resist trying GDM. In just a few months, my team and I helped more than 500 families join GDM. And for me, there's real fulfillment in knowing I’m helping people feel safer while driving — and bringing them into a community that rewards responsible driving: that’s exactly what GDM is all about.

Safety and Freedom: My Daughter's First Driving Lesson

Isabella, my 16-year-old, started driver's education this year. When I asked why she was so eager to get behind the wheel, she grinned. "Freedom," she said. "Not having to ask anyone for a ride."

I squeezed her hand. "Freedom starts with safety," I told her. "Always."

Coincidentally, those values are exactly what drew me to GDM, the driver community I had joined a few months ago. "Good driving" isn't just a slogan. It's a way of life: seatbelts clicked before ignition, phones left untouched, focus sharp as a tack. It's responsibility for yourself, your loved ones, and everyone sharing the road.

These days, Isabella brings it up unprompted. "When I get my license," she told me last week, "I'm gonna tell all my friends' parents about GDM. We grew up here, seeing how crazy traffic can get — why wouldn't you want something that keeps you safe and saves you money?"

She has a good point.

Good Drivers Deserve a Reward

It wasn't long ago that car expenses felt like a heavy cloud over our household. A silly argument over insurance costs for our new BMW? That's what finally pushed me to look for alternatives. I stumbled on GDM, and within months, I wasn't just improving my own situation. I was helping 500+ other families do the same.

GDM rewards safe drivers the way they deserve, encouraging more careful driving and creating a positive cycle.

If you're a responsible driver too, join GDM and make a difference — creating safer roads, one safe mile at a time.

Click to watch the full interview video:

Note: * The savings of 40% are not guaranteed and actual savings may depend on the driving behavior of the community.