Why is this wording on my car insurance? This is in the US

@cherokeepatti Ugh. That sucks. Well my story is like this:

After we moved states, I had Allstate car insurance. Think I was paying something like $40 or so. I moved out from home and was living about half hour away. Well one day I was driving to my parents house. I thought to myself, do I take sunglasses or driving glasses. Dumb choice I took my driving glasses. Long story short the sun was in my eye on a 45mph road and I slammed into the back left corner of a horse and buggy.

The guy in the buggy was a little bruised, horse was okay also. After that accident insurance went up. 2 years later, it was still going up. So at some point I moved back home. One year I started tracking the price of it. It was at $68 and then next year it was $74. So I called Allstate to ask about it.

I said, "Yea curious as to why my insurance rate keeps going up." The guy says, "Well, what's the price of your hamburgers?" I said, "uhhh, do what?" He says, "You go out to eat, right?" I said, "No, not really" His response, "Well, everythings going up in price!!" Like he got all mad. I said, "Oh okay." And hung up.

Then I called State Farm, and got a $30 quote. Went to State Farm, got their insurance, called Allstate from State Farm parking lot. "Yea I want to cancel my insurance" Ohhh well, you need proof of insurance before we can cancel. I said, "I already went to State Farm and got new insurance." They said, "Well we need to make scans" or something. I said "Okay I'll see you in 10 minutes." Drove over to Allstate, gave them the papers, I said, "Okay then have a nice day" And they didn't say a word lmao. It was a great day that day.

This upcoming 6 month premium is only going to cost me $29.13 a month lol. It's so much better than Allstate.

@twiigss I worked for a used car dealer and he comparison shops every year for himself and his granddaughter on prices and doesn’t hesitate to change companies

@cherokeepatti Well I had never thought about changing, until I went from $60 to $70. I mean, it was insane. And I was only paying for Limited Tort. That $74 a month I was paying wasn't even for full coverage lol. Now with State Farm, I think Full Coverage is like $100 more a month. But yea, I know people who do that too. They'll constantly be looking for the better deal. But I think I've got a really good deal currently.