"switching always makes me nervous—never know how good they'll actually be when you need them."
- Totally get that. The unknowns with a new insurer are nerve-wracking, especially if you’ve never had to file a claim before.
- But honestly, I’ve stuck with the same company for years, and my rates still went up every renewal. No “loyalty discount” in sight.
- Last year, I finally switched after a big price jump. The process was way less painful than I expected, and the new company’s customer service was actually better (at least so far).
- I do worry about how they’ll handle things if I ever have a big claim, but at this point, paying more for the “what if” just doesn’t make sense to me.
- Feels like these days, insurers count on us being too nervous to shop around. Maybe switching is just part of the game now.
It’s definitely a leap of faith, but sometimes sticking with what you know isn’t all it’s cracked up to be either.
“Feels like these days, insurers count on us being too nervous to shop around. Maybe switching is just part of the game now.”
That’s honestly how it feels to me too. I used to think sticking with the same company would pay off, but my rates still crept up every year—no reward for loyalty at all. I finally switched after my renewal jumped $200 for no reason. The new place was fine, paperwork was quick, and I haven’t had to file a claim yet (knock on wood). Still, I get nervous about how they’d handle my old Mustang if something happened... but paying extra just for peace of mind started to feel like a waste.
I get the Mustang worry—classic cars always feel like a gamble with insurance. But honestly, I’ve never seen loyalty pay off either. Every year it’s just “here’s your new rate, deal with it.” I switched last year after a random hike and haven’t looked back. If something does happen, I figure I’ll cross that bridge when I get there... but I’m not paying extra just for a maybe.
Every year it’s just “here’s your new rate, deal with it.”
Man, I feel this. My rates jump every renewal, and it’s not like I’m racking up tickets left and right (well... not lately). Loyalty is a joke—my old company acted like they were doing me a favor by only raising it $200 instead of $300. Switched to a new provider last month and saved enough to actually fill my tank for once.
I get the “cross that bridge” mindset. Honestly, I’d rather risk a higher deductible later than keep paying more now for nothing. Insurance companies love to scare you into overpaying, but half the time, they’ll find a way to nickel and dime you anyway if something happens. At this point, I’m just shopping around every year and treating insurance like cable—no loyalty, just whoever’s cheapest.
Loyalty is a joke—my old company acted like they were doing me a favor by only raising it $200 instead of $300.
That right there is the part that gets me every time. They act like they’re tossing you a bone, but it’s still just a smaller stick to the face. I’ve had the same thing happen—stayed with one company for years, never filed a claim, and my “reward” was a letter saying, “Congrats, you only get a moderate hike this year.” Gee, thanks.
Switching providers has become my yearly ritual now. I used to feel bad about it, like I was cheating on my agent or something, but honestly, why bother sticking around when they just keep jacking up the price? Half the time, the “new customer” discounts are way better than anything they’ll offer to keep you.
The deductible thing is a gamble, but I’m with you. I’d rather roll the dice and keep more cash in my pocket now. If something actually happens, yeah, I’ll pay a bit more out of pocket, but at least I’m not getting bled dry every month for the privilege of being “safe.” The scare tactics are wild too—every renewal letter is basically, “Pay more or else!” Like, calm down, I just want to drive my car.
Funny thing is, I called my old provider when I switched and suddenly they had all these “loyalty discounts” and “special rates” they never mentioned before. Where was that energy when I was a paying customer? It’s like they only care once you’re halfway out the door.
At this point, insurance is just another bill I try to keep as low as possible. No loyalty, no guilt, just hunting for the best deal every year. If they want to keep me, they can try a little harder than a $200 “favor.”
