Honestly, I get where you’re coming from, but I’ve seen loyalty cost people way more than it saves.
That’s the thing—those “creeps” add up fast. I shopped around last year after 10 years with the same company and saved almost $400 a year. Never had an issue with claims either. Sometimes switching is just the smarter move, especially if you drive safely and don’t have a ton of claims history.“Sure, premiums creep up, and you should absolutely check rates every now and then.”
That’s the thing—those “creeps” add up fast.
Couldn’t agree more. I stuck with my insurer for years thinking loyalty would pay off, but all I got was higher bills. The so-called perks never made up for the extra cost. If you’ve got a clean record, there’s really no reason not to shop around every couple years. Loyalty just doesn’t mean what it used to in this business.
The so-called perks never made up for the extra cost.
That’s been my experience too. I kept thinking my “premium” car would get me some kind of VIP treatment, but really, it just meant higher premiums. Switched last year and saved enough to splurge on detailing instead. Loyalty’s overrated in this game.
I get where you’re coming from, but I’ve actually had a different experience. My insurer’s loyalty program covered a hefty repair bill last year that would’ve been a nightmare out of pocket. Maybe it’s hit-or-miss, but sometimes those perks do pay off, especially with pricier models.
That’s interesting, because my experience has been kind of the opposite. I stuck with the same insurer for years thinking those loyalty perks would kick in, but when I actually needed help with a cracked windshield, they barely covered anything. Maybe it depends on the company or the plan? I guess it’s a bit of a gamble... sometimes you win, sometimes you just end up paying more for less.
