re: Insurance rate increases

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They aren’t a secret per se, but carriers put much more money in to customer acquisition than they do into retention. They rely on people being loyal or lazy and just accepting that rates are going to go up. When you call them and provide actual quotes they mysteriously find discounts that they can apply or they re-rate you.

The only one that normally doesn’t re-rate you for a lower amount is USAA. Pretty much all the other major carriers will see what they can do to adjust your rate. They may not match, but they can normally work it up to where it’s within a few dollars.

***Just a note, this info for auto insurance, homeowners and commercial policies have a lot less leeway.

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"That's not how this works. That's not how any of this works."

If you called me and told me that I either price matched or you were walking, I would look at the coverages you were quoted. If it was the same that you have or very close I tell you that you found a good deal and you should take it if our service was not worth the price difference. In no way shape or form can you just price match and you can't just rerun credit/driving/history. It that were the case my retention would be damn near 100%. And if you think that retention doesnt matter then you clearly have no idea what you are talking about but we know that already.