It’s frustrating, I know. I’ve seen folks switch and get a lower rate for a year or two, but honestly, it can creep up again—especially if the whole area’s rates are trending higher. My neighbor switched last year, saved a bit, but her new company bumped it right back up at renewal. Sometimes it’s just the market, not you.
Yeah, rate hikes are the worst. I’ve seen people jump ship to save a few bucks, but it’s kinda like playing whack-a-mole—one pops up, you smack it down, and another one comes up somewhere else. It’s not always about your driving or claims, either. Sometimes weather or local accident stats just mess with everyone’s premiums, even if you’re squeaky clean. I wish shopping around was a one-and-done fix, but those sneaky renewal bumps are real.
