Bundling always sounds like a win until you realize the “discount” is just a few bucks, or you’re stuck with a home policy you’d never pick otherwise. I’ve seen people raise their deductibles, but then you get hit with a big out-of-pocket if something actually happens—kind of a catch-22. Curious, have you ever actually shopped around after a rate hike, or do you just stick with your current company out of habit? I’ve noticed some folks are surprised by how much rates can swing between companies, even in the same zip code. Kansas weather is brutal for claims, though... sometimes it feels like the insurance companies are just waiting for the next hailstorm to jack up rates across the board.
Kansas weather is brutal for claims, though... sometimes it feels like the insurance companies are just waiting for the next hailstorm to jack up rates across the board.
You’re not wrong about Kansas weather—hail season is basically a full-contact sport for insurers. I see a lot of folks get lured in by bundling, but honestly, the “discount” is often just marketing fluff. If you wouldn’t pick that home policy on its own, it’s not really a deal.
Raising deductibles can backfire too. Sure, your premium drops a bit, but one bad storm and suddenly you’re writing a check you didn’t budget for. I always tell people: don’t just accept the renewal out of habit. Rates can swing wildly even between companies you’ve never heard of, and loyalty rarely pays off in this industry.
I’ve seen clients save hundreds just by shopping around after a rate hike. It’s tedious, but with how unpredictable the weather’s gotten here, it’s worth the hassle. Just don’t get too attached to any one company—they’re not getting sentimental about you when the next hailstorm rolls through.
Bundling always sounds good until you actually look at the numbers. I tried it once—ended up paying more for a home policy I didn’t even like just to get a “deal” on my car insurance. Not falling for that again.
Kansas weather is wild, though. Last spring, I had to dodge hail like it was Mario Kart out there. My rates jumped after one claim, and shopping around really did help. Found a smaller company that didn’t care as much about the zip code, which was a nice surprise.
I hear you on the deductible thing too. It’s tempting to crank it up to save a few bucks, but then you’re sweating every time the sky turns gray. I’d rather pay a little more each month than get walloped all at once.
Honestly, loyalty doesn’t seem to mean much anymore. If they’re gonna hike my rates after every storm, I’m not sticking around out of principle.
Kansas weather is wild, though. Last spring, I had to dodge hail like it was Mario Kart out there.
That’s too real—I’ve had to pull over more than once when those storms roll in. I hear you about loyalty not mattering much. I stuck with my old insurer for years thinking it’d count for something, but after one fender bender and a big storm, my rates shot up anyway. Ended up switching to a local agent who actually answers the phone, which is rare these days. Not perfect, but at least I feel like a person and not just a number.
Honestly, I get the appeal of a local agent, but I’ve had better luck just cutting out the middleman. After my rates jumped, I started shopping online every year—no loyalty, just numbers. It’s a pain, but I’ve found some solid deals that way. Also, if you haven’t already, take a defensive driving course. Some companies actually drop your rate for it, even after 65. Not saying it’s a magic fix, but every little bit helps when Kansas weather keeps trying to total your car...
