I’ve found that this is usually a “staying with a single insurance provider” problem. I usually end up switching every two years or so, but I check everytime my six month renewal comes up. I’ve found that my premiums pretty consistently go down so long as I keep looking around. The last few times I switched from geico to progressive then back to geico, and the cost went down each time I switched.
Fun fact. At the last call to make sure my insurance was switched over properly, I had the csr angrily explain that in order to get the same affect, all I had to do was ask for a reevaluation of my policy. It turns out that the automated systems that send out your new price every renewal don’t do a good job of adjusting the premiums down and you’re supposed to ask a person at the company to review things if you don’t like the automatic price.
I plan on continuing my personal policy of switching providers every few years anyways. I’d rather have the new customer prices than deal with a person on the phone going through every option to see if the new price is actually better or worse than the competitors offers.
As a fellow bureaucrat, I absolutely understood his frustration. Why go through the entire process of switching insurance, risking missed coverage days, and other bs, when you could just call and have a person look at the generated evaluation numbers to fix things? He wasn’t mad at me; just had his professional bride bruised when he found out that I was getting the same effect as the official process by doing (in his eyes) even more work than a simple call would be.
I actually love finding these things in my job. Whenever someone does something that looks really silly on the surface, but as soon as you look into it from a user persective you find out it’s just as good (or better) than the official process you originally expected. It’s always trippy finding them because you have to turn your brain around to understand why they did it. And you always wanna keep it in your back pocket if you ever end up in a similar situation.
I do pretty much the same, it does seem like it’s usually around the 2 year mark that they try to raise premiums. I may try the policy evaluation thing next time just to see what happens. But yeah, it’s always a good idea to look around at other carriers when they pull this crap.
I’ve always heard the best way to keep the costs down was to keep switching insurance providers. Unfortunately my wife chose to buy insurance from her high school friend
I’ve found that this is usually a “staying with a single insurance provider” problem. I usually end up switching every two years or so, but I check everytime my six month renewal comes up. I’ve found that my premiums pretty consistently go down so long as I keep looking around. The last few times I switched from geico to progressive then back to geico, and the cost went down each time I switched.
Fun fact. At the last call to make sure my insurance was switched over properly, I had the csr angrily explain that in order to get the same affect, all I had to do was ask for a reevaluation of my policy. It turns out that the automated systems that send out your new price every renewal don’t do a good job of adjusting the premiums down and you’re supposed to ask a person at the company to review things if you don’t like the automatic price.
I plan on continuing my personal policy of switching providers every few years anyways. I’d rather have the new customer prices than deal with a person on the phone going through every option to see if the new price is actually better or worse than the competitors offers.
“If it’s hurting your customer retention, it sounds like you stupid fucks need a reevaluation of your pricing policy”
As a fellow bureaucrat, I absolutely understood his frustration. Why go through the entire process of switching insurance, risking missed coverage days, and other bs, when you could just call and have a person look at the generated evaluation numbers to fix things? He wasn’t mad at me; just had his professional bride bruised when he found out that I was getting the same effect as the official process by doing (in his eyes) even more work than a simple call would be.
I actually love finding these things in my job. Whenever someone does something that looks really silly on the surface, but as soon as you look into it from a user persective you find out it’s just as good (or better) than the official process you originally expected. It’s always trippy finding them because you have to turn your brain around to understand why they did it. And you always wanna keep it in your back pocket if you ever end up in a similar situation.
Not saying the UK has it right (cos we definitely don’t) but the ‘loyalty penalty ban’ has really helped.
https://www.fca.org.uk/news/statements/direct-line-carry-out-past-business-review-relating-fcas-pricing-rules
You can’t be charged more for staying with an insurer than if you were a new customer.
I do pretty much the same, it does seem like it’s usually around the 2 year mark that they try to raise premiums. I may try the policy evaluation thing next time just to see what happens. But yeah, it’s always a good idea to look around at other carriers when they pull this crap.
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It’s your fault for their dumb system you dunce. Ask next time dumdum
Ugh yeah. And I have renters insurance through the same brand. I’ll have to look at swapping.
Just change agents to keep your long term customer discount.
I’ve always heard the best way to keep the costs down was to keep switching insurance providers. Unfortunately my wife chose to buy insurance from her high school friend