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.