The short answer
'Price optimization' means insurers charge loyal customers more than new ones for identical risk — legal in most states. Reshopping every 2–3 years typically finds 10–25% savings without reducing coverage. Get quotes from 3+ carriers including one direct writer and one independent agent.
Frequently asked
- Does switching hurt my credit or history?
- No — insurance shopping doesn't affect credit. CLUE report follows you regardless.
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