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Every year, call your insurance/internet/phone/TV etc. provider and tell them one of their competitors gave you a lower quote and you want them to match it or come close.
They will often give you a better rate just for asking. It's easier if you do have an actual quote to compare it against but you don't need one. Everything is made up. Just ask to pay less and threaten to stop paying them and they'll often just give it to you.
Even if they refuse, just say, "Okay. I need some time to think about whether or not I want to continue our relationship or switch." Hang up and do nothing.
USA centric.
This is known as policy walking and has been banned in the UK by the FCA.
(edit - specifically for insurance)
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@nondescripthandle@lemmy.dbzer0.com
@Chippys_mittens@lemmy.world
Why the downvote with zero engagement?
Wait what??
The consumer is barred from swapping providers annually to get better rates? Or are they barred from lying about fake quotes to get a better rate from their current provider?
Edit: By chance did you mean "price walking"? I did some searching online and I couldn't find anything about the UK forbidding consumers from changing insurance companies to seek lower prices by searching for "policy walking" but I did find something about insurers slowly increasing prices on customers (thus creating the need for the behavior I suggested) called "price walking", though I didn't see anything about it's legality. Admittedly, I'm just skimming while working.
A new customer and a renewing customer should get the same price.
If you go to an insurance company to get a quote, as a brand new customer or a renewal, the price should be the same.
Historically, its to prevent companies giving lower prices for the first year and then raising it for the second year.
Youre not allowed to increase the price just because its not a new customer.
Its nothing to do with regulating the customer - its regulating how insurance companies price their products for new vs existing customers.
I said policy walking, but price walking might be the more accurate term
Oooooooh that makes sense! Thanks for explaining. Yeah I wish we had legislation around it here, it's stupid that I have to play games to get lower prices on things.
Wish that were the case where I live. Still I've noticed that what they're now doing is offering the same price to everyone, but then giving the option of free Netflix for 1 year as a sign up bonus or the equivalent credit towards your service for that year, which effectively is the same practice.
To me the it sounds a bit more likely that they're regulating insurance companies and not the customers.
insane, huh?
Not USA centric.
It is also solid advice here in Germany and probably many other countries.
Your comment might be UK centric...
You may notice I specifically called out my comment as UK centric.
You said dumb shit (as you have in the past) and every time I've engaged with you I've left said engament feeling dumber. You're barely worth the effort it takes to press downvote. Why do you care? You're interjecting to say USA centric (a country with 350 million people and a large presence here) to include information that only pertains to the UK (69 million people). It was a shitty stupid addition. You're bad, suck my dick through my jorts.
It was a question. I do not recall you at all. Why do you care enough to follow me around and downvote?
what “dumb shit” have I said today? Would you like to correct me on UK insurance law? How did that “make you feel dumber”?
edit - and thats all of our interaction in the last year. Youre this upset cause I didnt like a game you like?
I look at posts in this community, shitpost and showerthoughts. I remember you saying dumb shit and arguing with you more than once. You can do the research to find said interactions.
I gave specific, UK advice, in a thread that isnt country specific, since the comment I replied to was defaulting to USA centric. Not sure why youre so upset about that? At least I clarified the exact country Im talking about, rather than assuming everyone is from the same place.
You're the one thats upset here lmfao
Youre the one following me around arbitrarily downvoting.
I looked back at our last interaction. I actually said something positive. I was sincere about you enjoying starfield. Why is that “making you feel dumber”?
I looked at a comment thread and downvoted a comment I thought was dumb... thats the extent of this.
And what about my comment was “dumb”? was I incorrect about Uk insurance law? or the commenter posting country specific information without clarifying what country they’re talking about?
Lmao
?
Oh sorry, its an acronym that means laughing my ass off.
no shit. why.
Find our other discussions. Im certain we've argued because I recognize your name.
No. you find them.
youre the one randomly downvoting comments just because you recognise a username.
I stated why I downvoted. USA centric is a really dumb way to start your comment. If you wanted to talk about UK insurance stuff you could have just said something like. "Oddly enough that wouldn't work in the UK because XYZ". Which, genuinely, is interesting. However, I think the initial comment likely applies to many places outside the US. So, you chose a shitty way to start your comment. Why are you researching who downvotes your comments lol why do you care?