Good point about loyalty perks, but honestly, I've rarely found them worthwhile in my experience. A few years back, I stuck with one insurer because of their supposed loyalty benefits—only to realize later that I'd been overpaying by hundreds each year. Since then, I've made it a habit to shop around annually. Sure, it's a bit tedious, but the savings have funded more than a few upgrades on my '68 Mustang... just something to consider.
"Sure, it's a bit tedious, but the savings have funded more than a few upgrades on my '68 Mustang..."
That's a great point—I used to think loyalty perks were beneficial too, until I did the math. Now I do a yearly comparison and factor in multi-policy discounts (home and auto bundled together). It's surprising how much you can save by just spending an hour or two each year shopping around. Might not fund Mustang upgrades for me, but definitely covers a few weekend family trips...
"Might not fund Mustang upgrades for me, but definitely covers a few weekend family trips..."
Weekend trips sound pretty good too... Ever considered adding mileage-based discounts into your comparisons? If you're not driving much, it could be another easy way to trim costs.
Mileage-based discounts do make sense, especially if you're not racking up a ton of miles. But speaking as someone who's been tagged as a "high-risk" driver (still stings...), I've noticed mileage doesn't always play in my favor. Even with lower mileage, my record tends to overshadow any potential savings. Have you seen mileage discounts actually making a noticeable difference for drivers with less-than-perfect records? I'm curious if it's worth another look or if other factors—like location or vehicle type—end up having more impact overall.
Mileage discounts can help, but honestly, if your driving record isn't spotless, they're probably not gonna move the needle much. I've found that insurers tend to weigh past incidents way heavier than mileage alone. For me, switching to a classic car policy made a bigger dent in my premiums than mileage ever did—probably because they assume we're extra cautious with our vintage rides. Have you looked into specialty policies or bundling options instead? Might be worth exploring...
