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<blockquote data-quote="SLE" data-source="post: 398848" data-attributes="member: 3889"><p>The insurance industry is joke. They get you in with a low or competitive rate and then bank on you staying put and not shopping it for several years. And the more stuff you have to insure, the worse it is because making a switch is more painful. Seems I have to shop and switch every 2-3 years to keep premiums in check. Heck, I've been with some of the same companies multiple times (not consecutively). I've had them raise rates even though everything I own got older, is valued less, and we have no claims. I hate it......... Fortunately, my last round I was able to keep things in check by going to high deductibles. At this point in life, I'm only looking for protection if something catastrophic happens. Reality is, if it's grand or two or three, I just absorb it because if you make a claim they ding the shit out you and get it back the next year or so anyway. So you end up eating it no matter, pay now or pay later, but you'll pay none the less.</p></blockquote><p></p>

[QUOTE="SLE, post: 398848, member: 3889"] The insurance industry is joke. They get you in with a low or competitive rate and then bank on you staying put and not shopping it for several years. And the more stuff you have to insure, the worse it is because making a switch is more painful. Seems I have to shop and switch every 2-3 years to keep premiums in check. Heck, I've been with some of the same companies multiple times (not consecutively). I've had them raise rates even though everything I own got older, is valued less, and we have no claims. I hate it......... Fortunately, my last round I was able to keep things in check by going to high deductibles. At this point in life, I'm only looking for protection if something catastrophic happens. Reality is, if it's grand or two or three, I just absorb it because if you make a claim they ding the shit out you and get it back the next year or so anyway. So you end up eating it no matter, pay now or pay later, but you'll pay none the less. [/QUOTE]

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