Yeah, I’ve noticed the same thing—my rates barely move even as my car gets older. It’s frustrating, especially when you’re trying to save a few bucks. Honestly, I’d rather pay a bit more and keep coverage than risk being stuck like your neighbor. Stuff happens out of nowhere, and it’s just not worth the gamble for me. Insurance companies seem to drop rates so slowly it’s almost pointless to expect big savings as your car ages... but at least you’re protected if something goes sideways.
I hear you on the rates barely budging. My car’s a few years old now—still shiny, but not exactly “fresh off the lot”—and yet my premium seems to think it’s a collector’s item. I keep waiting for that magical moment when the insurance company says, “Congrats, your depreciation has finally paid off!” Spoiler: hasn’t happened.
Honestly, though, I’d rather fork over a bit more and sleep at night. I’ve seen what happens when someone gets hit by an uninsured driver. My cousin had his sedan totaled by a guy who vanished faster than my patience at the DMV. Took months to sort out, and he still ended up eating half the cost. That was enough for me to stop grumbling (well, mostly) about paying for coverage I hope I never need.
I get why Nebraska requires uninsured motorist coverage now. At first it sounded like just another way to squeeze money out of us, but after seeing how many folks drive around without proper insurance—or any at all—it starts making sense. It’s like paying for an umbrella you hope you never have to use... but when that storm hits, you’re glad you’ve got it.
Still, it bugs me that loyalty doesn’t seem to count for much with these companies. You’d think after years of safe driving and zero claims they’d throw us a bone. Instead, it’s like they’re daring us to shop around every renewal cycle. Maybe that’s their secret plan—keep us just annoyed enough to look elsewhere but not so mad we actually do it.
Anyway, I’ll keep grumbling about my rates while polishing my hood ornament and hoping nobody decides to test my uninsured motorist policy anytime soon.
Man, I feel you on this. My record’s got a few bumps, so my rates are even less forgiving—like, my car’s not exactly a Ferrari, but my premium sure acts like it is. But yeah, after getting rear-ended by someone with zero insurance last year, I’m actually grateful Nebraska makes us carry the extra coverage. Still, you’d think being a loyal customer would count for something... but nope, it’s like they forget your name every renewal. At least you’re not alone in the grumbling—misery loves company, right?
Still, you’d think being a loyal customer would count for something... but nope, it’s like they forget your name every renewal.
Honestly, that’s the part that gets me the most. You pay out the nose for years, maybe have one or two slip-ups, and they act like you’re just another number. I get that it’s business, but where’s the incentive to stick around? Feels like the only way to get a break is to threaten to leave or actually shop around every year.
On the uninsured coverage, I used to think it was a scammy add-on, but after seeing a buddy get totally screwed in a hit-and-run, I get why Nebraska forces it. Still, it’s wild how people drive around with no insurance at all. Makes you wonder what the point of having laws is if nobody enforces them.
Anyway, I’m convinced the “loyalty discount” is just a myth. If you want a better rate, you gotta hunt for it yourself. Loyalty just makes you an easy target for higher premiums, at least that’s how it feels.
You nailed it—loyalty just doesn’t seem to matter much. I’ve stuck with the same company for years and every renewal, my rate creeps up for no real reason. It’s like they’re hoping you won’t notice or bother switching. I used to think uninsured coverage was pointless too, but after seeing a neighbor get rear-ended by someone with no insurance, I’m glad it’s required here. Still wild how many folks just skip insurance altogether... makes you wonder if the system even works half the time.
