I work in the auto claims industry... (body shop manager and painter). I laugh when all the "old" people come in and "brag" about being with one company for 42 years.... Why are you loyal to a company that dicks us over every day of our lives? The value of your car goes DOWN every year.... but your premium goes UP... makes sense. **** companies like Geico, Progressive use a geographical area to manage premiums... so for example there is a weather event in your area.... your rates go up... regardless of whether or not you filed a claim.
Here is a list I give my customers.
I always say... if you see a commercial, there is a reason they need to advertise!
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