I swear, my rates are like a yo-yo—up, down, sideways, who knows. Last year, I was all proud of my accident-free streak, thinking I’d finally get a break. Instead, my premium went up and the only “discount” I got was for paying in full (which, let’s be real, just means I’m broke all at once instead of monthly). Sometimes I think they spin a wheel in the back room to decide our rates.
Sometimes I think they spin a wheel in the back room to decide our rates.
Honestly, it does feel that random sometimes. I’ve had a clean record for years, and yet my premium still crept up this renewal. From what I’ve read, it’s not always about your personal driving—sometimes it’s regional trends, more claims in your area, or even inflation pushing repair costs up. Still, it’s hard not to question the logic when you’re doing everything right and still paying more.