Rates are going up because vehicles are way more expensive to repair these days, and there's more vehicles on the road now than ever leading to more claims and more payouts
It would be nice to be rewarded for not having any claims or tickets, like it used to be with insurance.
I remember (very unfondly) when I was younger and had a ton of tickets on my record……the insurance industry sure as hell knew how to adjust rates commensurate to my juvenile driving habits.
I’ve gone 10 years without a ticket and haven’t had an at fault accident………ever. I understand the insurance industry is a capitalist endeavor………but it would be nice to not have a figurative rod up my ass every time I turn around. I’m shopping to dump Geico, but most insurance quotes count chip repairs as a “non-collision claim”. Now that I know how that BS works, I’ve bought my own chip repair kits to eliminate those “claims”.
I’ve gotten quotes from terribly reviewed places like Clearcover for half of what Geico charges, but all the big companies want to quote me sky high since they all know I only have a couple choices for reputable insurance coverage.
Just frustrating to work hard to keep a clean record, only to be screwed over on my premiums anyway.