I’ve been with the same company for almost a decade, and honestly, my “loyalty discount” barely covers the yearly increases. Every time I check quotes elsewhere, I’m shocked at how much lower they are for new customers. Feels like loyalty just means paying more for less, at least in my experience.
SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
Honestly, I’ve learned the hard way that loyalty doesn’t pay the bills—shopping around does. Last year, I switched after my “loyalty discount” actually made my premium higher than a brand new customer’s. Felt like a sucker. It’s wild how they treat new folks better than the ones who’ve stuck around. I get wanting to avoid the hassle, but for me, a little paperwork is worth saving a couple hundred bucks. I’d rather spend that on something fun for the kids... or, let’s be real, groceries these days.
I hear you on the “loyalty discount”—it’s a joke. Last time I renewed, my rate went up for no reason, so I shopped around and found a better deal in like 30 minutes. Why should we pay more just because we’ve been with them longer? The paperwork’s annoying, but not as annoying as wasting money. I’d rather put that cash toward gas or the kids’ sports fees. Honestly, unless the first quote is crazy good, I always check at least two more places.
Honestly, sometimes the hassle of switching just isn't worth it for me. I get that saving money matters, but the paperwork and phone calls drive me nuts. If the price hike isn't huge, I just let it ride. Time's money too...
I get where you’re coming from—switching can be a pain, especially with all the forms and waiting on hold. But as someone who’s had a couple tickets and an accident, my rates jump way more than I’d like if I just let them renew. Sometimes I wonder if the hassle is actually less than the extra cash I’d lose over a year. Have you ever tried using one of those online comparison tools? I’ve found they cut down on the paperwork, but I’m not sure if they catch all the discounts. Curious if anyone’s found a way to make the process less annoying, or if it’s just always a grind for folks with a not-so-great record.
