Just read an article about how insurers are quietly rewarding long-term customers with better rates and perks. Kinda makes sense, loyalty paying off and all, but idk... anyone actually seen this happen IRL or just marketing fluff?
Honestly, from what I've seen, loyalty perks are kinda hit or miss. Sure, some insurers quietly toss a bone to long-term customers—maybe a small discount here or there—but it's rarely enough to beat the deals you can snag by shopping around every couple years. I've had clients who've stuck with one company forever, thinking they're getting some secret VIP treatment, only to find out they're paying way more than newbies who just signed up.
Funny thing is, insurers know most people can't be bothered switching, so they bank on inertia. Loyalty sounds nice in theory, but in practice... ehhh. I'd say it's worth checking your rates every year or two, even if you're happy where you are. You might be surprised how much "loyalty" is costing you.
