Yeah, loyalty discounts feel like a myth at this point. My rates jumped after a hailstorm last year—even though I’ve never filed a claim. Perks are nice, but I’d rather just pay less. Guess we’re all just paying for the weather around here...
I hear you—loyalty discounts are basically smoke and mirrors these days. I’ve got a couple tickets on my record, and my rates still shot up after that storm, even though I wasn’t at fault. Honestly, I started shopping around every year. Sometimes switching is the only way to keep costs down, no matter how long you’ve been with a company. It’s frustrating, but sticking with one insurer never paid off for me.
- Totally get where you’re coming from.
- I’ve had a couple minor accidents and a speeding ticket, and my rates just keep creeping up, no matter how careful I try to be.
- Loyalty discounts barely make a dent for me either—sometimes I wonder if they’re just a marketing trick.
- Has anyone actually seen their rates go down after a few years with the same company, even with a less-than-perfect record? Or is it just wishful thinking?
- I’m starting to think switching every renewal is just the new normal...
I’ve stuck it out with the same company for almost a decade, thinking that loyalty would eventually pay off. Honestly? My rates have barely budged, even after a few “clean” years following a fender bender and a ticket. It’s like they remember every little thing forever. I’m starting to think those loyalty discounts are just there to keep us from shopping around. Last year, I finally switched and—surprise—saved a chunk. Maybe bouncing around is just how it works now...
It’s like they remember every little thing forever.
Seriously, it’s wild how long they hold onto stuff. I used to think sticking with one company was the “grown-up” move, but after shopping around, I realized loyalty just meant paying more for the same old coverage. Guess switching is just part of the game now.
