Well Known and Active Website User
I don't particularly like dealing with people who offer you low as standard but then upgrade when asked, I'd much prefer that it is given up front. However RH has had consistent premiums for me year on year unlike others who give a good quote for new or returning customers but try to hike the premium on a renewal. Why penalise loyalty?
First is they believe you to be to lazy or stupid to check around, so they figure they have you in their pocket.
Second is even more simple, they're greedy and they can.
For the longest time I was loyal to my insurance carrier on my house insurance combined with my non-classic car and bike insurance. Then last year this time we had a wind storm over night and in the morning my son noticed that our roof was in the neighbors from yard. They wouldn't cover a thing. Depreciation of the roof due to age (18 yrs old), only half the roof was blew off (only going to pay to repair the damaged half), increased deductible that had gone into affect but noticed had not been mailed yet.
So I decided to check around on my house and non-classic vehicle insurance. I found it cheaper. People I worked with told me they change every 2-3 years to keep their rates down, because of reasons I stated above. In the past it didn't seem to be that way when I checked around. Now it seems to be.
On the classic vehicle side, Hagerty has always been the best when I've checked.