Imagine a world where your local insurance company tries to keep you around with a loyalty app—like, every year you don’t file a claim, you rack up points for stuff. Maybe a free car wash, or a pizza night. Would that actually work, or is it just weird? What kind of perks would make you stay, if any?
Free coffee or movie tickets wouldn’t really sway me, honestly. I’ve had my rates hiked a few times just because of my driving record, so unless the perks actually offset the higher costs, it feels a bit gimmicky. If they offered something like accident forgiveness or even a discount on my deductible, then maybe I’d pay attention. Has anyone actually seen an insurer offer legit benefits that aren’t just fluff?
I’m with you—those little perks don’t really move the needle for me either. I’ve seen a few insurers offer accident forgiveness, but it’s usually bundled into higher-tier plans or comes with a bunch of fine print. One thing I did appreciate was when my policy included agreed value coverage for my classic, which actually mattered if something happened. Stuff like that feels way more substantial than a free latte.
Agreed value coverage is a game changer, especially for classics—totally different ballpark from a free coffee. I’ve seen some folks get really excited about roadside assistance or rental car coverage, but personally, I’d rather have solid protection than a handful of movie tickets. Out of curiosity, has anyone actually had to use their accident forgiveness? I always wonder if it’s as smooth as they make it sound or if there’s a catch buried somewhere...
I always wonder if it’s as smooth as they make it sound or if there’s a catch buried somewhere...
Would You Stick With Your Insurer for Free Coffee or Movie Tickets?
I get what you mean about wanting actual coverage over small perks. We’ve had the same insurer for years, mostly because they’ve been decent about claims and the rates haven’t jumped too much (knock on wood). The little “rewards” thing is kind of funny to me—my wife got a $10 coffee card once for doing their online survey, and she thought it was cute, but it didn’t really change anything for us. I guess it’s nice, but if they tried to keep us with movie tickets or pizza, I’d probably just roll my eyes.
The real stuff is what matters. We’ve used roadside assistance a couple times—once when the battery died at the grocery store with both kids in the backseat, and another time when I locked myself out (not my finest moment). That’s the kind of thing that actually makes me appreciate having insurance, not a free latte.
As for accident forgiveness, we haven’t had to use it (thankfully), but I’ve always wondered if it’s as straightforward as they say. My neighbor rear-ended someone last year and thought he was covered by accident forgiveness, but his premium still went up. The company said it was because of “other factors,” which sounded a bit sketchy. Makes you wonder if there’s always a catch.
Honestly, if they want to keep people around, just don’t jack up the rates every year and handle claims fairly. The rest is just window dressing.