Fuel Pocket Damage

Will be getting one.

 

I've been with the same ins company over 20 years and my family has been with them over 35 years and lately the rates keep going up. No accidents or tickets and when I call to ask why its rising I get ins is a shared risk and theres a lot of bad drivers in your area so you have to pay more because there shitty drivers. I'm at the point of cross shopping.

 

Just from my personal perspective, staying with the same insurance company for 30 years means you were ripped off for 27 of them, maybe 28 . But seriously, I assume insurance companies used to be different years ago and maybe didn't raise rates for whatever reason. I was told my insurance would go down when I hit 25 too. It went up instead.

I got a quote when I bought a house 3 years ago to add my home to my current auto policy. I had State Farm. Shopped around and save money by switching to Travelers, with better coverage. 2 years later, after 2 annual increases from Travelers, State Farm beats Travelers by over $900 annually. And yes coverage is almost identical. Travelers had a glass policy that State Farm does not have so I lowered comp deductible. I use agents though and better pricing than the online pricing.

My assumption is new sign up prices are great and then they creep up over time. Although this year, my renewal for State Farm had the homeowners going down by $67 annually and auto up by $24 annually. I haven't a clue, but in my opinion, insurance should be shopped around every 2 to 3 years. Send your policy out and say beat my current cost and you have a customer. And then be on mailing, emailing, and call lists for years from everyone you contacted.