Insurance is wild lately—my rates jumped 20% last year even though I’ve never filed a claim. I’ve wondered if anyone’s had luck with local or regional insurers versus the big names? Sometimes I think the smaller companies might be less aggressive with rate hikes, but maybe that’s just wishful thinking.
I hear you on the insurance hikes—mine jumped last renewal too, and I hadn’t changed a thing. A couple years back, I actually switched from one of the big national brands to a smaller Texas-based insurer. At first, the rate was lower and customer service felt more personal. But after two years, they bumped my premium up almost as much as the big guys did. It seems like even the local companies aren’t immune to these market swings lately. If you do shop around, just double-check their financial ratings and claims process... learned that lesson the hard way when a friend had a nightmare getting repairs covered after a hailstorm.
