I always hear about the importance of shopping around for insurance, and I don't necessarily do it every single year, but probably about every other year

And everywhere I look my quotes are always about the same, within a few bucks of what I'm already paying.

And I guess if you add it all up over the years a couple of bucks a month difference does eventually add up to something kind of significant.

But having been with my current company/agent for a while and having had to use my insurance a couple times over the years, I don't mind that so much because I've found them pretty easy to work with. They've paid out when I needed them to without any drama, and they've been willing to cut me when, like when I had some billing snafu that was kind of my fault they were saw that I'd been a customer for a while with otherwise perfect payment history and we're willing to waive some fees that were otherwise tacked on. And jumping ship to save very little money and not knowing if the new company is going to be as decent to work with just doesn't seem like a smart move to me.

Still pisses me off to no end that my insurance goes up every year though. My car's not appreciating in value any, and I'm not getting any younger or more reckless on the road, nor have I reached the age yet where my mental faculties have started to nosedive, and I have a very clean driving history.

They don't already price fix?

Truth. I have a broker and every year before my renewal she price shops every provider to keep giving me the lowest price. Before that, my car insurance had steadily creeped up almost 50% higher than everything I was quoted. Do I have to change apps and remember who I’m with every year? Yes, but I’ve saved a lot of money in the process.

For some unknown reason i have total irrational hatred towards this concept and really short fuse towards haggling.

My countries telecom companies do the same or at least the most. Every 2 years the special offer they did ends and i have to start switching my number after which for a month every single telecom company starts to spam me with better offer which all are the lowest they can go. Last time they even started sending me chocolates. Like WTF, i just want a phone, not a bloody chocolate.

At this point i flipped them all off and accepted I don't need phone that much. My wife took over as she does want me to have a phone.

In my country for liability insurance at least, national traffic insurance fund website has a comparison tool. Just enter the data and get results for all the companies (minus the banks for some reason, they also offer insurance). The difference can sometimes be 5x or more and they offer the exact same legally mandated coverage (some have minor bonuses like "moose insurance" or legal aid, and no, those aren't even always the most expensive ones).

And you're gullible enough to think they aren't/won't price fix?