I’m never against anyone shopping it out. In your circumstance, you have a lot of leverage and statistically a low risk. My only point is that not everyone fits into that category. If you get into an at fault accident, you automatically become a higher risk which may not lead to a more favorable rate with another company because they are going to surcharge for the same accident.
This is not directed at you I’m just stating it because I hear people say it all the time “Insurance is a scam and they never pay out”.
I ran the number last month and I have been in agency for 5 years. My agency alone has paid out $4.4 million dollars.
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