I must respond to "retired guy" as his opinion that insurance carriers will increase your premium when they realize you don't shop, is not accurate. I speak as a retiree after 40 years as an insurance agent. As another person commented, the insurance industry is heavily regulated by each state, and can't indiscriminately raise one person's rates "just because". With that said, there is merit in suggesting that you shop around. Most insurance company groups have several pricing tiers, so it's possible that you may, due to your record, or type of vehicle you drive, qualify for a lower premium, perhaps even while staying with the same carrier (Travelers, Hartford, Allstate, etc.)
We too experienced a sizeable increase in rate with this year's renewal (up 15%). Our representative at The Villages Insurance requoted us from Travelers to Progressive and was able to save us nearly $300 a year for our 2017 Subaru. I'm not an advocate of shopping each year, but when rates increase dramatically, it is usually worthwhile.
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