No point sticking around if they don’t reward you. It’s just business for them, not personal.
Honestly, I get where you’re coming from. Shopping around is smart, especially with how unpredictable rates have gotten. But sometimes, jumping ship every year can backfire a bit. Some companies do look at how often you switch, and it can affect your rates down the line—sort of like dating around too much and getting a reputation, you know?
Also, not every company treats claims or customer service the same. I’ve seen folks save $100 a year, then regret it when they actually need help. Loyalty discounts aren’t what they used to be, but sometimes sticking with a company for a few years can help if you ever have a claim. Just something to weigh before making the leap. Insurance is weird like that—sometimes the “grass is greener” thing doesn’t pan out.
sometimes the “grass is greener” thing doesn’t pan out.
Ain’t that the truth. I’ve bounced around a couple times chasing lower rates, and yeah, it felt good for a minute. But when I actually needed to file a claim, the “cheap” company made me jump through hoops. Ended up wishing I’d just paid a bit more and stuck with the folks who actually pick up the phone. Sometimes you get what you pay for... insurance is one of those things where saving a few bucks can cost you more in the long run.
Yeah, I hear you. I switched to a budget insurer once thinking I was so clever, but when my car got rear-ended, it was a nightmare just getting someone on the line. Ended up paying more out of pocket than I would’ve with my old policy. Has anyone actually had a positive claim experience with these lower-cost companies? Or is it just luck of the draw?
Ended up paying more out of pocket than I would’ve with my old policy.
- Been down that road myself... tried a bargain insurer for my '74 Nova. When I needed them, it was all hold music and runarounds.
- Honestly, I think it's a mixed bag. Some folks get lucky, but most stories I hear aren't great.
- The "you get what you pay for" thing seems to ring true with insurance, sadly.
- Not saying the big names are perfect—my GEICO premium just shot up too—but at least you can usually get someone on the phone.
Hang in there. It's frustrating, but you're definitely not alone.
Honestly, insurance is one of those things where you’re damned if you do, damned if you don’t. I’ve bounced between State Farm, GEICO, and a couple of the “budget” places over the years—every time I try to save a buck, it bites me later with either a premium hike or garbage customer service. Last year my GEICO bill jumped almost 30% for no real reason. No tickets, no claims, nothing changed except “market conditions.”
I get that costs are up everywhere, but it feels like they just jack up rates because they can. The kicker is, when I tried shopping around again, everyone else was either higher or had horror stories attached. At least with GEICO I can get a human on the phone... eventually.
Not sure there’s a real solution besides calling every six months and threatening to leave. Sometimes they’ll knock a few bucks off just to keep you. Otherwise, it’s just paying more for the same old coverage and hoping you never actually need to use it.
