I shop for insurance about every 3 years. My experience is that it really helps to keep the premiums down. Insurance companies will abuse the loyalty of the customers to increase rates over time above what competitive rates from other companies.

I could tell stories about some of my customers and myself who have used the same provider for up to 20+ years and swear up and down they get the best rates from them. I suggested that they shop and there has rarely been a case where they didn’t find a notably lower rate for the same coverage from a different company. By notably I mean between 10% and 40%. Same thing happened to me when I used a company for 12 years and never questioned the rate increases. I finally decided to look and saved 35% for the exact same policies but from different companies.

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Toyota is a leader only because their drivers block everyone behind them. Oh what a feeling.