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Repulsive_Air603 t1_iuhrc4j wrote

Reply to comment by SnooCompliments148 in Your insurance will most likely be going up by Grayjay000

Only thing I can think of would be credit. It’s generally run at new business and never again unless you request it. If your credit improved since the last time, you initially started a policy that could do it. It’s a huge impact to your premium.

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thedouble t1_iuhyacf wrote

I used to have allstate for car insurance in my 20s. It slowly went up each time and I never thought much of it, but eventually it was too much and I started shopping around.

Every other company quoted me less than 50% of what I was paying allstate. I called my allstate agent and asked if they could match these quotes and they said no.

I switched companies. The NEXT DAY I went to allstate's website for a quote (which wouldn't run a credit check I don't think?), and the quote was in line with every other insurance company. Less than 50% of what I was paying them just 2 days prior.

So, seems to me that insurance companies just like screwing their existing customers.

Also, no I did not lower my coverage.

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BarnabyColeman t1_iuivli1 wrote

This is my exact experience with both State Farm and Allstate. Any time my rates go up I just instantly switch auto insurance now.

There is no such thing as customer loyalty with these companies so do not feel obligated to start with them! All of their apps are the same, all of them provide the same coverage, and all of them suck. :)

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rctid_taco t1_iuills0 wrote

I had a similar experience with eSurance which is an Allstate company.

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Repulsive_Air603 t1_iui0fk9 wrote

Might be partially credit. Especially based on your age (assuming less credit history in your 20s). It’s a soft pull but they do use it in basically every state.

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mygirltien t1_iuhtuz1 wrote

Have my motorcycle with progressive. My renewal was 200 less than last year and i have high end coverage. No change to anything and accident free just a simple note of congratulations, your premium is 200 less this year. Whenever insurance goes up just a little i start shopping around.

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