So, once again for the sixth time in a row I have ended up switching car insurer at the end of a 6 month policy term. Every time I received a renewal quote from the insurer I was with which was significantly higher than my initial period and much higher than I was quoted by other insurers (that sum usually goes down a little each 6 months).
I have each time contacted the old insurer, told them I have offers from other insurers which were substantially better than their offer (even giving numbers usually) and every time they either said there is nothing they can do, or that they could match the quote at the cost of cutting my coverage limits (while the quotes from other companies have the same limits as before).
In the end I have always ended up just switching. However I would prefer not to continue this pointless dance every 6 months if possible. Is there any way to actually negotiate an auto insurance renewal or should I just abandon this idea and continue switching each time? As nothing I have ever said encouraged the people I spoke to to improve their renewal offer.
I ask as doing so saves me a substantial sum, usually $800-1000 a year as opposed to just accepting the renewal quotes provided, but is frustrating ind involves phone calls which I tend to hate.