I think you're onto something when you say it might depend on the insurer or even the agent. When I first got labeled high-risk (ugh, rookie mistakes)...

That's actually pretty reassuring to hear about the credit score thing. I'm still pretty new to all this insurance stuff, and honestly, it feels like ...

Yeah, I've noticed this too. My older brother stuck with the same insurer for years thinking he was getting some great loyalty deal, but when he final...