this post was submitted on 28 Jul 2026
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I go through an insurance broker and they said that it's important to check around every renewal to see what is being offered. They rely on customers getting complacent. If everyone actually shopped around every year, it would theoretically drive prices down. They would have to resort to price fixing to keep their massive profits.
And you're gullible enough to think they aren't/won't price fix?
I think they are "gullible enough" to believe that losing business is the only thing that would keep corporations from being shitty.
Except it's a captive market. When it's a law that you have to have something and there's only a dozen or so "options" (especially when those options end up being owned by the same entity) they will never lose enough business to have to stop being shitty.
No one is saying they'd clean up their act. But yes if they were constantly losing customers they'd obviously lower prices a bit. Keep in mind this is not blaming customers.