Recently switched a needed policy to a different company. Same policy details, $400.00 less for 6 months. They really just rely on people letting things get charged automatically. It just seems insane to me. And wastes my time having to swap back and forth. But whatever, I’ll do it.
Yeah it’s such a hassle to shop around but it does save money. And not just money too. When I first shopped around after my first year of home ownership, that’s when I realized my coverage for anything inside the house was for current value. I switched to another provider that had better coverage (brand new value) which raised my premium, but the auto bundle greatly reduced my car insurance. So at the end of the day I’m paying a little lower but with better home coverage.
I’ve found that most insurers seem to hide their policies behind application forms. You need to apply in order to find out what will be covered and what it’ll cost. It’s a few hours of work, but it pays off.