I get where you’re coming from, but I’ve actually had a different experience—at least with the military discount thing. Maybe it’s just the company I went with, but the rate drop was way more than I expected. Not life-changing, but definitely more than coffee money. Have you tried shopping around every year or two? I know it’s a pain, but last time I switched, the new place even threw in roadside assistance for free.
I do agree though, those “bundling” discounts can be a joke. Once, I asked if adding renter’s insurance would help and the agent said it’d save me $1.50 a month... like, what’s even the point? Still, I guess if you’re willing to jump through some hoops and compare quotes, there are deals out there. Just wish it didn’t feel like a scavenger hunt half the time.
