- Honestly, I’ve had the opposite experience with bundling—my rates barely moved too, maybe 2% at best.
- I don’t think it’s just Kansas. I’ve lived in Missouri and saw the same thing. Bundling gets hyped up but sometimes it’s just a marketing thing.
- One thing I noticed: some agents will “find” discounts if you mention you’re shopping around. Others just shrug and say that’s the best they can do. It’s weirdly inconsistent.
- I’m always cautious about switching companies for a small discount. Sometimes you lose perks or end up with worse customer service, which isn’t worth it if you drive a lot like I do.
- Also, after 65, some companies seem to quietly bump up rates no matter what you do. Feels like they’re betting on us not noticing.
- At this point, I just check every year and don’t expect miracles. Maybe it’s not random, but it sure feels that way...
Yeah, I’ve noticed that “senior” bump too. Last year my rate jumped for no clear reason, and when I called, they gave me a vague answer about “risk factors.” I asked about bundling with home insurance—barely made a dent. Makes me wonder if loyalty even matters anymore. The only time I got a real discount was after threatening to leave, but even then, it was like $40 off. Just feels like a game sometimes.
Yeah, the loyalty thing feels pretty pointless these days. I’ve been with the same company for over 20 years, and my “reward” was a random $200 hike out of nowhere. Tried the whole bundle trick too—barely moved the needle. Funny how they call it a discount when it’s just less of a rip-off. At this point, I just shop around every renewal and don’t even bother calling to haggle unless I’m really bored.
Funny how they call it a discount when it’s just less of a rip-off.
That really sums it up. I’ve noticed the same—loyalty doesn’t seem to mean much anymore, at least not in dollar terms. I do think it’s worth double-checking for any safe driver or mature driver discounts though, even if they’re small. Sometimes those get buried in the fine print or you have to ask directly. Not saying it’ll fix the $200 hike, but every little bit helps.
Title: Finding affordable car insurance after 65 in kansas—anyone else struggling?
That “discount” label really does get tossed around a lot, doesn’t it? I’ve had more than a few folks tell me they felt like their so-called loyalty discount just disappeared when the renewal came around. It’s frustrating, especially when you’ve been with the same company for years and suddenly your rate jumps for no clear reason.
Funny thing—I had a client once who’d been driving for over 40 years without so much as a parking ticket. She assumed she was getting every possible break on her premium, but when we dug into her policy, turns out she was missing out on both a mature driver discount and a defensive driving course credit. She’d never been asked if she wanted to take the course, and it wasn’t mentioned anywhere obvious in her paperwork. Once we fixed that, her bill dropped by about $90 a year. Not huge, but it helped.
I do think it’s worth asking point-blank about any hidden discounts, even if it feels awkward or like you’re being pushy. Sometimes the agent just doesn’t bring them up unless you specifically ask. Have any of you actually seen your rates go down after mentioning your driving record or age? Or is it mostly just small potatoes compared to the yearly increases?
One thing I’ve noticed lately is that some companies are quietly phasing out certain discounts or making the eligibility rules stricter. For example, that “safe driver” discount might now require zero claims in five years instead of three. Makes you wonder if they’re just moving the goalposts to avoid paying out.
I’m curious—has anyone tried switching companies recently and actually seen real savings? Or does it all end up being about the same once you factor in coverage differences and fees? Sometimes I feel like shopping around is just running in circles...
