![](\"http:\/\/www.undergroundz.org\/wp-content\/uploads\/2025\/09\/progressive-agent.jpg\")
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When planning the purchase of a new car, there are other expenditures you should always account for. Chief among them are maintenance and repairs to ensure that your ride is working reliably, and insurance premiums<\/a>. While the former quandary can be solved by finding a reputable local mechanic you develop a long-term relationship with, the second can be a bit trickier to plan for.<\/p>\n There are plenty of drivers who\u2019ve shared their frustrating experiences with obtaining quotes to ensure their vehicles are properly covered. For instance, one Reddit<\/em> user<\/a> couldn\u2019t understand why they were being quoted such vastly different rates from provider to provider for their ride.<\/p>\n And if you\u2019ve recently shopped around for insurance and had your eyes bulge out of your head like a cartoon wolf upon seeing your monthly quote, this woman\u2019s advice may interest you. TikTok user @pettynpretty95 shared how she almost always locks down a more affordable rate when she\u2019s shopping for car insurance.<\/p>\n She explains that when purchasing insurance plans in six-month blocks, she\u2019s noticed auto-renewal quotes almost always come with price hikes. So, in order to prevent this from happening, the TikToker says that she opts, instead, to take a bit of time to re-input all of her personal information to receive insurance quotes as if she were a new customer.<\/p>\n Consequently, she shared that this technique almost always culminates in reduced insurance premiums, compared to the initial six-month auto-renewal quotes she\u2019s given.<\/p>\n \u201cI don\u2019t know what car insurance you have. I personally have Progressive. The way that I get a cheaper quote every single time after my six months is up is I just, every single time, go to the Progressive website, plug in all my information again\u2014yes, it takes a few minutes of my time\u2014instead of automatically accepting their renewal fee,\u201d she tells viewers.<\/p>\n She says her quote is cheaper by $100-150 pretty much every time, and her friends can attest that the hack works. \u201cYou will save money; I promise,\u201d she says.<\/p>\n The TikTok user\u2019s auto-renewal gripe has been discussed by others online and is often referred to as a loyalty penalty<\/a>. This pricing model isn\u2019t particular to just insurance companies, either. Folks who\u2019ve had to hop on the phone to argue with their internet service providers will be well aware of these hikes, too.<\/p>\n It\u2019s a strategy rooted in the idea that once folks have done the legwork of signing up for a recurring service, they\u2019re probably going to stick with a business that they know, rather than shop around for new deals. Companies, instead of valuing loyal customers who\u2019ve forked over their hard-earned cash for sustained periods of time, decide to weaponize customers\u2019 devotion against them.<\/p>\n When it comes to the auto industry, a 2024 Yahoo! article<\/a> stated that \u201cthe car insurance loyalty penalty is alive and well.\u201d<\/p>\n Insurance company Allen and Allen<\/a> also referenced how loyalty can adversely affect the finances of those who stick with the same business for sustained periods of time. \u201cYou need to find out whether your insurance loyalty is costing you money. You need to carefully review your insurance policy and even shop for a better deal if you feel your loyalty program is hurting you financially,\u201d it states.<\/p>\n Progressive published a list of reasons as to why drivers\u2019 insurance premiums can increase on this FAQ webpage<\/a>. According to the business, adding new vehicles or drivers, or moving to a different zip code, are usually the reasons why commuters are being quoted increased rates. \u201cKnow that insurance premiums aren’t raised on a whim, and the reason for a car insurance rate increase is almost always tied to insurance risk,\u201d Progressive writes.<\/p>\n Some commenters who replied to the TikToker\u2019s post corroborated what she said with anecdotes of their own. \u201cI have a family member who works at Progressive. Can confirm it\u2019s cheaper online than on the phone,\u201d one penned.<\/p>\n Another said that every six months, they seek out a new provider and have no issues with jumping around if it\u2019s going to save them money in the long run. \u201cI switch my insurance pretty much every 6 months. I have no loyalty to anyone, especially after they keep raising my premium,\u201d they said.<\/p>\n And this person on the app echoed the aforementioned sentiment. \u201cI was auto-renewing and my bill went up to $300. Switched, now I pay $150. I know now there\u2019s no thing as loyalty with insurance companies,\u201d they said.<\/p>\n Motor1<\/em> has reached out to @pettynpretty95 via TikTok comment for further information.<\/p>\n \u00a0 When planning the purchase of a new car, there are other expenditures you should always account for. Chief among them […]<\/p>\n","protected":false},"author":1,"featured_media":4793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[11],"tags":[],"_links":{"self":[{"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/posts\/4791"}],"collection":[{"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/comments?post=4791"}],"version-history":[{"count":2,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/posts\/4791\/revisions"}],"predecessor-version":[{"id":4794,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/posts\/4791\/revisions\/4794"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/media\/4793"}],"wp:attachment":[{"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/media?parent=4791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/categories?post=4791"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.undergroundz.org\/index.php\/wp-json\/wp\/v2\/tags?post=4791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Avoid Auto Renewal<\/h2>\n
She Swears By This Insurance Savings Methodology<\/h2>\n
Why Did My Insurance Rates Go Up?<\/h2>\n
\n‘How Legal Is This?:’ Man Considers Lying To His Car Insurance Company To Save Money. But Does This Loophole Work?<\/a>
Man Tries to Tow a U-Haul With a Toyota Tacoma. Then He Runs Into a Problem<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"