Ugh. People have no loyalty these days. They also don't seem to understand certain things. I work in the insurance industry (Auto, Home, Life, etc) in sales. I work for the largest home and auto insurance company in the US. I understand in this age and time, loyalty doesn't mean as much as price. I do get that. If you can find insurance somewhere else cheaper, you're going to change. Me personally, it would have to be a lot, as service means more to me than dollars (to a certain extent). This is where it frustrates me. We have a customer, been with our office for about 20 years. He's had two VERY large homeowners claims in that 20 years. We have paid out over 154,000 to this guy. He's always polite when he calls, always comments on how nice we are, etc. Just a tick over 3 years ago, we paid out 120K on a house fire. He calls in on Monday, is switching his insurance to another company. Total savings for the year (between his car and home combined): 124 bucks. That just drives me crazy. I'm not even the owner of this particular agency and I want to blow up on this guy. But it is what it is. Another thing that bugs me: People complaining that their rates went up when they had an at fault accident. Had a lady call in today mad because her bill went up 8 bucks a month, and we totalled out her car (8400) 4 months ago. Essentially she'll pay 288 more over the 3 years she gets rated for the at fault accident, and we gave her 8400. Ugh. Just one of those days. Had to vent.