Not Much Assurance About The Insurance, Part 23

Call Center, Employees, Insurance, Money, USA | Working | July 31, 2025

I’d had enough of my insurance company. Despite never filing a claim, my premiums kept going up. The one time I did try to file a claim, to replace a cracked windshield, I found out my glass deductible was actually more than the replacement itself. I told three different reps I wasn’t going to file it, but they still kept calling me back with, “Well, we see you started this claim…”

The final straw came when my renters’ insurance renewal came in, and it was $80 more than last year, with no explanation. So, I call their support line:

Rep: “Thank you for calling [Insurance]. How can I help you?”

Me: “I’m calling because my renters’ insurance has gone up, and I’m not seeing anything indicating why. It’s been the same price the last three years, and I never got any notice that it was going to change.”

Rep: *Typing and clicking for a few minutes.* “Okay, so it looks like the cost of the services themselves went up.”

Me: “Okay… but where does it say that?”

Rep: “Well… it doesn’t exactly. You can tell what’s different if you pull up last year’s policy and then pull up this year’s and compare them.”

Me: *Trying not to roll my eyes.* “Um… okay, but isn’t that a little… confusing?”

Rep: “Well, it’s just the cost of doing business. It also looks like we don’t have a good insurance score for you because you have no credit.”

If we’d been in person, she would have seen the complete “WTF” look on my face.

Me: “Uh… I have plenty of credit. I think it’s slightly above average too.”

Rep: “Well, we don’t seem to have any record of it. If you get that added, then that might help lower your policy as well.”

Me: “Okay. Thank you.”

Rep: “You’re welcome. Was there anything else I can assist you with today?”

Me: “No, thank you. Have a great day.”

Rep: “You as well.”

I ended the call, called my dad, and got a referral to his insurance company. Within a day, I switched over. The new premiums were slightly higher, but the coverage was much better, and the few times I’ve called since, customer service has been flawless.

The funniest part? When I called to cancel with my original insurer, the rep said:

Cancel Rep: “Okay, so you’re leaving because you found a better deal with a different company. Do you want us to send you an email in six months to remind you to see about a new quote from us?”

I just laughed and said no, and then burst out laughing even harder as soon as that call ended.