Honestly, I get where you’re coming from, but I’ve actually had better luck sticking with one company and just calling them out on the rate hikes. Every year, I call and ask for a review or mention I’m shopping around—they usually drop the price or toss in a discount. It’s not perfect, but it saves me the hassle of switching all my info every time. Maybe it depends on the company, though...
Every year, I call and ask for a review or mention I’m shopping around—they usually drop the price or toss in a discount.
- Tried that with my provider last year—got a tiny discount, but it barely covered the increase.
- Noticed some companies are more flexible than others. State Farm was rigid, but GEICO budged a bit.
- The paperwork for switching is annoying, but sometimes the savings justify it.
Curious—has anyone actually seen their rates go down after 65, or is it just steady hikes?
Never actually seen mine go down after 65—just smaller increases some years. I hear you on the paperwork headache, though. One thing that helped me was bundling with home insurance, but even then, it’s mostly just slowing the hikes, not reversing them.
Yeah, bundling slowed the rate hikes for us too, but never actually made anything cheaper. Here’s what I’ve noticed:
- After 65, our rates crept up every year, just not as fast.
- Tried raising deductibles—helped a bit, but then I started worrying about out-of-pocket costs if something happened.
- Shopped around twice in five years. Each time, paperwork was a pain and savings were minimal.
- We drive less now, but that didn’t seem to matter much for premiums.
Honestly, feels like you’re just managing the damage rather than stopping it. Maybe Kansas is just tough for this stuff...
Honestly, feels like you’re just managing the damage rather than stopping it.
That’s exactly how it feels for me too. I’ve had a couple tickets, so my rates are already high, and after 65 it’s like they just keep inching up no matter what. Here’s what I tried step-by-step:
1. Asked about low-mileage discounts—barely made a dent.
2. Took a defensive driving course (some companies give a break for that).
3. Checked with smaller local insurers, not just the big names.
None of it was a magic fix, but the course did shave off a bit. Still, paperwork and switching is such a hassle... sometimes I wonder if it’s even worth the effort.