Bundling sounded great in theory, but when I actually ran the numbers, the “discount” barely covered the extra fees they tacked on for my car. I drive a newer Mercedes, and it feels like insurers just see dollar signs. I get the value of roadside assistance, but at this point, I’m not sure the perks outweigh the constant price hikes. Maybe it’s just the cost of owning something a bit nicer, but it’s frustrating when your driving record’s spotless and you’re still penalized.
Yeah, I totally get where you’re coming from. It feels like the fancier your car, the more they just pile on the “extras”—and then call it a deal. I’ve got a spotless record too, and it’s wild how little that seems to matter once you hit a certain age or drive something nice. Sometimes I wonder if all those perks are just fluff to justify the price hikes. It’s not just you—insurance is a racket, especially in Kansas. Hang in there, you’re definitely not alone.
I get the frustration, but I’m not sure it’s always just about the car being fancy or hitting a certain age. I mean, yeah, premiums can shoot up for nicer vehicles, but sometimes it’s more about what those “extras” actually cost to fix or replace. My neighbor drives a basic sedan and still saw his rates go up after 65—no accidents, nothing. He called around and found that some companies actually gave him a better deal when he bundled his home and auto policies.
It does feel like some perks are just marketing fluff, but every now and then you get something useful—like roadside assistance or glass coverage. Maybe not worth the full price hike, but not totally useless either. I do think Kansas is rough for insurance prices, though... something about all those hail storms? Either way, it’s a pain to navigate.
Bundling really can make a difference, but it’s wild how little control we have over these rate hikes. I’ve had my share of “wait, what did I do wrong?” moments after seeing my renewal notice. The hail storms here are no joke, though—my windshield’s been replaced twice in five years, so I guess that part makes sense. Still feels like they’re looking for any excuse to bump things up. At least some of those perks actually come in handy... roadside assistance saved me once when my battery died in the middle of nowhere. Doesn’t make the sticker shock any easier, but it’s something.
Yeah, those renewal notices always feel like a gut punch, especially after a quiet year. Hail damage is brutal around here—windshields just don’t stand a chance. I get why rates go up, but it still stings. The perks are nice, though. I’ve seen roadside assistance bail folks out more times than I can count. Still, it’d be nice if loyalty actually meant lower rates instead of just more “perks.” Guess that’s wishful thinking these days...
