Would you stick with your insurer for free coffee or movie tickets?

I totally get that feeling—when you’re paying out the nose for insurance, even a small perk feels like a tiny win. Last semester, my insurer sent me a $5 coffee card just for updating my info online. Did it make me love them? Not really, but I did enjoy the free latte during finals week. Still, if another company offered the same coverage for less, I’d probably switch. Perks are nice, but saving money matters more for me right now.

I hear you on this—those little perks are nice in the moment, but they don't really move the needle for me either.

Perks are nice, but saving money matters more for me right now.

Would You Stick With Your Insurer For Free Coffee Or Movie Tickets?

a free coffee or movie ticket isn’t going to keep me loyal

Honestly, same here. I’ve seen clients get excited about those little perks, but once renewal time hits and the premium jumps $150, that “free” latte doesn’t taste so sweet anymore. The only time I’ve seen a perk actually matter was when an insurer offered free roadside assistance for a year—saved a client a couple hundred bucks after a breakdown. But most of the time? It’s just fluff to distract from the price hikes.

Free coffee isn’t going to cover a $100 premium hike, that’s for sure.

it’s just fluff to distract from the price hikes.

I mean, if they’re handing out coffee, I’ll take it—especially after a rough night worrying about my driving record. But yeah, a latte doesn’t soften the blow of a triple-digit premium jump. Still, perks aren’t totally useless. Once got a free movie ticket and ended up meeting someone cool in line. Not exactly savings, but hey, sometimes the little stuff surprises you.