Yeah, I’ve noticed the same thing with discounts getting harder to actually qualify for. I drive a higher-end car and it feels like the rates are always creeping up, even though my record’s clean. I did try switching last year—got quoted lower at first, but by the time they added in all the “extras” to match my old coverage, it was basically a wash. Has anyone found a company that doesn’t nickel-and-dime you for every little thing? Or is that just wishful thinking these days...
by the time they added in all the “extras” to match my old coverage, it was basically a wash.
Yeah, I totally get that. Feels like every company has some hidden fee or random add-on. Even with a not-so-great record, I keep hoping there’s a better deal out there... but it’s tough. You’re not alone in this.
- Seriously, it’s wild how fast those “extras” add up.
- I’ve seen folks surprised by roadside or glass coverage fees—stuff they thought was standard.
- It’s not just you. Even with a clean record, rates can feel random after 65.
- Sometimes I wonder if loyalty discounts are even real... or just marketing.
- Hang in there. Comparing every couple years can still shake loose a better deal, even if it’s just a few bucks.
I get wanting to save a few bucks by dropping “extras,” but honestly, sometimes those add-ons are worth it. Last winter, we had a cracked windshield and the glass coverage paid for itself—otherwise, that bill would’ve stung. I know it feels like they nickel-and-dime us, especially after 65, but cutting too much can backfire if you actually need to use the insurance. Loyalty discounts? Yeah, I’m skeptical too... but I’d rather pay a bit more for coverage I trust than risk a nightmare later.
I know it feels like they nickel-and-dime us, especially after 65, but cutting too much can backfire if you actually need to use the insurance.
- 100% agree on that. I’ve tried dropping “extras” before, thinking I’d save, but ended up paying more out of pocket after a minor fender bender.
- For high-risk folks like me, those add-ons aren’t just “nice to have”—they’re almost necessary.
- Loyalty discounts? Meh. I’ve shopped around and sometimes switching actually saved me more, even with a less-than-perfect record.
- One thing I do: always check the fine print on glass coverage and rental reimbursement. Some policies sneak in weird exclusions.
- Bottom line, I’d rather pay a bit more upfront than get slammed with a surprise bill later.
