I get where you’re coming from, but I’ve actually stuck with the same insurer for my old Mustang for years and it’s worked out alright. They’ve thrown in some perks—like agreed value and free roadside—after a while. Sure, the rates creep up, but when I had a claim, they didn’t give me any grief. Sometimes that peace of mind is worth a few extra bucks, especially if you’ve got something a bit unique in the garage. Comparing quotes is a pain, though... can’t argue with you there.
- I hear you on the peace of mind, but man, loyalty hasn’t done me any favors.
- Switched after my third “oops” (don’t ask), and suddenly my rates dropped like a rock.
- Guess some companies just start seeing dollar signs when they see your name for too long...
- Perks are cool, but I’d rather have cash in my pocket than a branded air freshener or “free” tow.
- Honestly, the only thing loyal about my insurer was their dedication to hiking my premium every year.
- Been driving for decades and honestly, sticking with one insurer never paid off for me either.
- Every time I shopped around, I found better deals—loyalty perks just didn’t add up to the savings.
- Last time I got a “loyalty gift,” it was a calendar... not exactly worth the extra $200 a year.
- If you’re not checking rates every couple years, you’re probably leaving money on the table.
I get where you’re coming from, but is it always better to switch? I’m just starting out and the quotes I got as a new driver were all over the place. Some companies offered “accident forgiveness” or first-time driver discounts if you stick with them for a bit. I wonder if those perks actually help in the long run, especially if you end up needing to make a claim. Has anyone actually saved money by switching, even after factoring in stuff like cancellation fees or losing those perks?
I used to think sticking with one insurer for the perks was a smart move, but honestly, I’ve saved more by switching every couple years. Accident forgiveness sounds good, but if you’re a careful driver, you might never use it. Cancellation fees are usually small compared to the savings from a better rate. Just double-check the fine print before jumping ship—some discounts only kick in after a year or two, so timing matters.
