<prompt> Human: Car insurance came in. They dropped the renewal by 15 just because I said I wanted to look elsewhere. It is a freaken game. The whole I need to see the manager bull for authorisation to lower the quote. Years ago I would have felt bad. Now it is routine to ask for a better price.Edit 3 hours in. Thanks for the great replies everyone. Ill do my best to get some upvotes back at you.FAQ - I can choose an electricity provider in my area. It was meant to keep prices down but lots of people like 2014 me just paid the bills as they arrived. No more.  <response>: PC licensed insurance agent here. Thats thats not quite how insurance works. Rates arent dropped just because a person threatens to leave. Theres no retention discount. What probably happened is because you called threatening to leave, the person you spoke to on the phone took the time to find other qualifying discounts OR modifiedupdated rating factors such as annual mileage, etc whether correctly or incorrectly. Should they have done that in the first place? That depends. Is your agent local? If so, she didnt work hard enough to make sure you were taken care of and probably dropped the ball. Is your company a direct to e.g. Esurance, 21st Century, etc? If so, expect more of the same. Itll be up to you to make sure your policy is in order by calling them at least 30 days before each renewal for a review but thats the trade off between using a local agent that MIGHT cost a little more vs dealing directly with the company. Also keep in mind that if your local agent is short-staffed, things like this can happen. You be the judge of whether or not that gives them a pass. PS - Ive also worked for telecommunications companies and threatening to leave will totally get you better deals. TL;DR - Insurance rates are not negotiable but policy renewal reviews can sometimes reveal discounts rating factor changes your agentcompany might have missed. EDIT: Just to be clear, Im not looking for business and I am not suggesting you choose one type of company or one specific company over another. Ive worked for a few of them and am just speaking from experience. Each person must shop around and determine whats right for him or her. Please do not PM me for quotes. 