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Originally Posted by Puddin
Normal as in matching the surrounding vehicles around you.
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Sorry, but no... "Normal" and "surrounding vehicles" are not the same thing.
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Originally Posted by sandm
on a related note, if you're not shopping insurance every few years, there are usually bigger gains to be had swapping companies than doing stuff like this every couple of years. no reason to stay loyal to an "agent" if you don't have claims. my last auto claim was 1998.
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You should be shopping your insurance every time your policy is up for renewal, every 12 months at the most. Business will offer you the best rates to get you in the door, then creep your costs up over time. And ridiculous marketing terms like "disappearing deductible" and similar make no sense when you realize you're being charged to participate in those programs (at least Progressive is reasonably up front that you MUST opt-in and pay a fee when you click the link in their marketing to learn more).
Five years ago, I was paying around $1600/year to insure a brand new Traverse and Silverado. Now, I pay around $1900/year to insure the same Silverado plus my Camaro, plus a 2017 RDX Tech AWD. I dropped Travelers like a bad habit when my agent kept trying to feed me a line of crap about minimum insured values for my house and moved ALL of my insurance policies elsewhere.