The last time I had to file a claim, my rate stayed the same, but then at renewal, my premium crept up anyway. Coincidence? Maybe.
That’s happened to me too, and it always feels a bit shady. I try to keep my deductible higher just to keep premiums down, but then I worry if something big happens, I’ll regret it. It’s like you’re always second-guessing your choices. My agent once told me “it’s all about risk,” but honestly, sometimes it just feels like a gamble no matter what you pick.
I get where you’re coming from. I’ve seen people go years with a high deductible, saving on premiums, then get hit with a big claim and suddenly wish they’d picked differently. But honestly, even when you play it safe, rates can still creep up for reasons that aren’t always clear—sometimes it’s not even about your own claims. The whole system feels like a bit of a black box sometimes... I wish it was more transparent.
Honestly, I’ve been trying to figure out the “right” balance for a while. Last year, I picked a higher deductible to save on monthly costs, thinking I’d just drive extra careful. Of course, I ended up with a cracked windshield from a random rock—totally out of my control. Suddenly those savings didn’t feel so great. I agree, it’s weird how rates change even when you haven’t made claims. I wish there was some kind of breakdown showing exactly what’s affecting the premium each time... feels like there’s always some hidden factor.
I wish there was some kind of breakdown showing exactly what’s affecting the premium each time... feels like there’s always some hidden factor.
Right? It’s like they’re using a magic 8-ball to set our rates. I tried the “drive extra careful” strategy too, but apparently rocks don’t care about my good intentions. I swear, every time I think I’ve figured out the system, my premium jumps for no reason. Maybe it’s the color of my car or the way I parallel park... who knows.
I tried the “drive extra careful” strategy too, but apparently rocks don’t care about my good intentions.
That’s exactly it. I had a year with zero tickets, no claims, and then—bam—premium went up anyway. I called to ask why and got some vague answer about “regional risk factors.” Like, what does that even mean? Sometimes I wonder if it’s just random or if they’re tracking stuff we don’t even know about.
