- I get what you’re saying about loyalty, but honestly, I’m not sure it matters much to these companies anymore.
- Just started shopping for my first policy and the “loyalty discount” some places offer is barely anything—like, a few bucks a month? Not worth sticking around if the price keeps going up.
- Higher-end cars definitely seem to get hit harder. I drive a basic compact and my quotes were way lower than what my uncle pays for his luxury SUV, even though he’s got a spotless record too.
- I noticed some smaller companies and online-only insurers had better rates for me, but you have to dig around. The big names just weren’t competitive at all.
- Honestly, I’d rather save money than get “personalized service” if it means paying hundreds more a year. Maybe that’s just me being cheap, but every dollar counts right now.
- Not sure if it’s just Kansas or everywhere, but it feels like the old rules don’t apply anymore... loyalty, clean record, none of it seems to matter as much as it used to.
It’s true, loyalty discounts just aren’t what they used to be. I’ve seen folks save more by switching every couple years than by sticking with one company forever. One thing I’d add—sometimes bundling home and auto can help, but it’s not always a slam dunk. Definitely worth comparing those smaller or online-only companies, though. The market’s changed a lot, especially for folks over 65, and you really have to shop around now.
“sometimes bundling home and auto can help, but it’s not always a slam dunk.”
- Tried bundling—saved a bit, but then the renewal shot up.
- Switching every couple years feels risky, but I get it... loyalty doesn’t pay like it used to.
- Those smaller online companies sometimes have weird fine print, so I always double-check coverage.
- Over 65, they seem to assume you’ll drive into a mailbox any day now. Not fair, but here we are.
Bundling didn’t do much for me either—my premium on the Jag jumped after year one, and the “loyalty discount” was a joke. I actually found better rates through a local broker than any of the big-name bundles. Sometimes old-school still wins out, even for pricier cars.
Bundling didn’t do much for me either—my premium on the Jag jumped after year one, and the “loyalty discount” was a joke. I actually found better rates through a local broker than any of the big-name bundles. Sometimes old-school still wins out, even for pricier cars.
That “loyalty discount” bit really made me nod along. I’ve seen that happen plenty—folks stick with the same carrier for years expecting some kind of reward, only to see premiums creep up anyway. It’s like the longer you stay, the less they try to keep you happy. Had a neighbor with a classic Corvette, swore by his big-name bundle for years. When his renewal came in last spring, the rate had jumped by nearly 20%. He figured it was a mistake, but after a couple calls and a lot of “that’s just how it is now,” he went local and cut his payment nearly in half.
Sometimes those smaller brokers really do have an edge, especially if you’re driving something outside the usual sedan/SUV crowd. They know the local market quirks, and they’re not as tied up in national advertising budgets or one-size-fits-all pricing.
That said, I’ve seen bundling work out for some—usually if you’ve got a pretty vanilla driving record and two or three policies under one roof. But high-value or specialty vehicles? Not always a slam dunk. And Kansas does have its own oddball quirks with rates (hail claims, anyone?).
One thing I tell people—don’t be shy about shopping every couple of years. Loyalty is nice in theory, but insurance companies don’t always return the favor. And sometimes it’s those old-school folks in an office down the street who can work magic that algorithms can’t touch.