Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it’s time to collect payment, it’s a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
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Can only shop during a specific enrollment period
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Policies are so complex, the vast majority of the population can’t understand them
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It’s commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
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Insurance companies are notorious for denying payments
I also have to say I’ve had only good experiences with my current insurance provider (Amica) but I also pay a little more. My mom got an at fault accident in my car she borrowed when her car was in the shop and it was handled without complaint nor did they raise my rates.
But you’re still right about a lot of others. I’m almost certain GEICO or Progressive would have raised mine. I wish it was regulated such that my experience is the mandatory norm.