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- Totally get where you're coming from—I've seen the same thing with my own policy.
- Even with a higher-end car, the swings in premiums seem almost random year to year.
- Had a friend with a basic sedan get a bigger rate hike than me after a tiny claim... makes zero sense.
- I do wonder if insurers are just tweaking algorithms constantly, trying to stay ahead of trends or losses.
- You're not being too cynical—it's hard not to feel like there's some strategy behind the unpredictability.
- Haven't found any insurer that's truly predictable, honestly. At this point, I just brace for surprises at renewal time and hope for the best.
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