Compare your current rate with what major insurers would charge you today — takes about 2 minutes, no phone calls.
Most major insurers use a practice called "price optimization" — the longer you've been a customer, the less likely you are to comparison-shop, and the higher your renewal rate creeps. It's not illegal, but it's why loyal customers often pay more than new ones for the same coverage.
If you own a home and have two or more vehicles on the policy, you may also be missing a multi-policy bundling discount. Many insurers offer 15-25% off when you combine auto and home coverage, but most don't proactively apply it to existing customers.
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