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You’ve probably heard it before: “Shop your insurance every year to get the best price.”
While reviewing your coverage regularly is important, changing insurance companies year after year isn’t always the best way to save—and in some cases, it can create more problems than it solves.
Here are a few reasons why staying put can often work in your favor.
Long-Term Customers Are Often Rewarded
Many insurance carriers offer benefits and pricing credits to customers who stay with them over time. These loyalty incentives can grow the longer you’re insured, meaning frequent switching may actually prevent you from accessing better rates.
Your Claims History Doesn’t Reset
Even if you change insurance companies, your claims history comes with you. Most carriers review several years of past claims when pricing a policy, so moving to a new carrier after a loss doesn’t guarantee lower premiums—and may sometimes increase them.
Price Shopping Can Mean Coverage Trade-Offs
When the goal is the lowest premium, important coverage details can be overlooked. Lower liability limits, higher deductibles, or missing endorsements can all make a policy look cheaper—but leave you underinsured when it matters most.
Discounts May Be Left Behind
Multi-policy discounts, accident-free credits, and long-term customer savings often don’t transfer to a new carrier. What appears to be a “better deal” upfront may disappear once those lost discounts are factored in.
Rate Changes Are Often Market-Driven
Insurance rates can increase due to rising repair costs, severe weather, inflation, or industry-wide changes—not because you did anything wrong. A rate bump doesn’t always mean another carrier will offer better pricing. You can learn more about why rates increase, here.
Stability Can Make Claims Easier
Having consistent coverage and a relationship with your agent can make the claims process smoother and more predictable. Established policies tend to come with fewer surprises when a claim is filed.
When Reviewing Makes Sense
There are times when it’s smart to take a closer look at your insurance, such as:
- Major life changes (new home, marriage, teen driver, retirement)
- Significant premium increases
- Changes to your property, vehicles, or business
- Concerns about coverage limits or gaps
The key is reviewing your policy with purpose—not switching automatically.
How Blue Marsh Insurance Helps
At Blue Marsh Insurance, we focus on thoughtful reviews, long-term planning, and making sure your coverage truly fits your life. If moving to a different carrier makes sense, we’ll help you do it the right way. If staying put is the better option, we’ll explain why.
If you haven’t reviewed your coverage recently or have a life change on the horizon, reach out to our team. We’re always happy to walk through your options and help you make an informed decision.
A little more about Blue Marsh Insurance…
When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.
As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
If you’re interested in starting a quote online or having us take a look at your current policies, click here!