I totally get where you’re coming from. I had almost the exact same thing happen last year—
—and it just felt like a canned response. I ended up shopping around and found a better rate in like 30 minutes. Is it just me, or does it seem like the only reward for loyalty is a higher bill? I do wonder if there’s ever a real upside to sticking with one company unless you’ve got some super unique coverage.“No tickets, no claims, nothing. When I called to ask why, they blamed ‘market conditions’ and rising repair costs.”
I’m actually shopping for my first policy right now, and honestly, this kind of stuff makes me super skeptical about sticking with one company long-term. I’ve been comparing quotes and it’s wild how much they can differ for the same coverage. Loyalty seems overrated unless you’re getting some crazy good perks or discounts. I get that costs go up, but if there’s no claim or ticket, it just feels like an excuse to hike prices. Maybe switching every couple years is just the smarter move?
I get where you’re coming from—loyalty hasn’t really paid off for us either. We’ve had the same insurer for years and our rates still go up, no accidents or tickets. I’ve thought about switching but always worry about missing out on some “hidden” loyalty perk or coverage difference. Has anyone actually had a company reward them for sticking around, or is that just marketing fluff?
Honestly, I switched after 8 years with the same company and didn’t lose anything special. Here’s what I noticed:
- No secret perks for being loyal—just higher bills.
- The “accident forgiveness” they offered was available to new customers too.
- My new insurer gave me a better rate and the same coverage.
I get being cautious, but in my experience, sticking around didn’t actually save me money or give me better protection. Sometimes shopping around really is worth it... even if it feels like a hassle.
That lines up with what I see a lot—loyalty doesn’t always pay off in insurance. Sometimes the “loyalty discount” is just a fancy way of saying you’re paying more for less. Out of curiosity, did you find the switch process pretty straightforward, or was it a headache?
