"Maybe they'd be less inclined to offer good deals if they think you're always shopping around or not loyal enough to stick around long-term."
You're onto something here. From what I've seen, insurers do have internal notes—though how detailed they are really depends on the company. Constantly threatening to switch might not outright blacklist you, but it could subtly influence how flexible they're willing to be down the road. Still, occasionally negotiating is normal and expected, so don't stress too much about it... moderation is key.
I've wondered about this myself... like, do they actually keep track of how many times I've casually mentioned "better offers elsewhere"? 😂 Honestly, though, I think you're right—moderation is probably the sweet spot. I've had luck calling once in a while to politely ask if there's any wiggle room. Usually works better than outright threats of leaving. But who knows, maybe my file has a little note that says "asks lots of questions." 🤷♂️
"Usually works better than outright threats of leaving."
Haha, totally agree with this. I've found that being friendly and just asking if there are any discounts or loyalty perks available tends to get me further than playing hardball. Also, mentioning specific competitors' offers (politely!) sometimes nudges them to match or beat it. Pretty sure my file says "calls every renewal period," but hey... gotta save where we can, right?
"Pretty sure my file says 'calls every renewal period,' but hey... gotta save where we can, right?"
Haha, you're probably right about that file note. From the claims side, I can tell you insurers definitely track customer interactions closely. A friendly call asking about discounts or mentioning competitor rates usually gets flagged positively, compared to aggressive threats. Also, don't overlook bundling home/renter's insurance or even taking a defensive driving course—those can quietly shave off some decent savings without much hassle.
Good tips above, especially bundling—that's saved me a decent chunk over the years. Honestly, I wouldn't sweat the calls...you're just being proactive. Insurers expect customers to shop around, it's just smart budgeting. Keep at it!
