No claims, no tickets, no nothing. Making any claim is a dicey proposition. I noticed something fishy when I switched insurers several years ago and immediately got a "3 year claims free discount". I was thinking, "how is that possible, I just got here." Thats when I remembered the state insurance database that is associated with your license plate that police use to automatically know if you have required liability coverage or not by scanning your tag. If the insurance companies have access, which likely includes your driving record of tickets and accidents then they know if you likely have filed a claim.
Ive got about a month to shop around, but honestly Im likely not going to find cheaper coverage. I may consider self insuring and just carry liability w/unins motorist. Or I just might give in again and pay for full coverage.
Surprisingly insurance company stocks are at all time highs and profits are healthy. eyeroll.gif
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