Still feels like a lottery, though. I stick with the big guys for the roadside perks, but yeah, every renewal is like playing insurance roulette...
Man, “insurance roulette” nails it. Last year, my premium jumped after some mystery fender bender two blocks over—never even involved me, but apparently my zip code’s cursed. I drive like a grandma and still get dinged. At this point, I half-expect to get charged extra for living near a busy Starbucks. The perks are nice, but my wallet’s not laughing.
Yeah, I hear you. My rate went up just because the area’s “risk profile” changed—whatever that means. I barely drive more than 10 miles a day, no tickets, nothing. Feels like you’re paying for everyone else’s mistakes sometimes. The perks are cool, but honestly, I’d rather just keep more cash in my pocket. Insurance math makes zero sense to me lately.
Feels like you’re paying for everyone else’s mistakes sometimes.
I get where you’re coming from, but honestly, as someone who’s had a couple fender benders, I kinda see why they do it. Even if you drive safe, stuff just happens—bad weather, distracted drivers, whatever. The “risk profile” thing is annoying, but I guess it’s their way of spreading out the cost when accidents spike in an area. Not saying it’s fair, just… makes a weird kind of sense?
- Been there, honestly. After my last ticket, my rate shot up and I felt like I was paying for everyone else too.
- It’s rough, but yeah, if accidents go up in your zip code, everyone gets hit.
- Ever tried shopping around after a jump like this? Sometimes other companies are a bit more forgiving...
if accidents go up in your zip code, everyone gets hit.
Yeah, that's the part that always gets me. You can drive clean for years and still get dinged because of what’s happening around you. I had a similar thing last year—no tickets, no claims, but my premium still jumped. Turns out there were a bunch of thefts in my area and that was enough for the rate hike.
Shopping around does help sometimes, but it’s not always a magic fix. Some companies just follow the same data trends. Still, worth a shot if you haven’t tried yet. Also, double-check your coverage details—sometimes you’re paying for extras you don’t really need anymore.
It’s frustrating, but you’re definitely not alone in this. Insurance math never feels fair, honestly.
