Thanks for reading the article!
You seem to be doing the right thing by shopping around. A couple of observations, though ...
It seems that adjusters have their reasons for doing what their algorithms tell them ... Still I've been hearing that there is a lot of increase in premiums throughout the industry. Good to still shop around.
Like Otto, I tend to drive my antiques more than just to shows and parades. I haven't had to make a claim yet ... but it doesn't seem to be a big deal. I've insured with Hagerty for almost 30 years, and with JC Taylor before that, and have never made any claims. I do still make Hagerty compete with Taylor, Gulfway and Grundy every few years to keep my business.
Remember -- "Loyalty" is just a word the PR folks use in marketing (it's the sugarcoating they put on your annual suppository). It has no real meaning to the underwriters, so don't believe for a moment it is actually doing anything for you.
It may help to call your agent or the customer service line and ask about any policy premium increases. Sometimes you get the ole, "Oh... I just checked and I found you an additional discount..." Which is their way of not admitting that you caught them at gouging you. Sometimes not. Never hurts to try, though.
