<prompt> Human: I was insured with Geico on my familys plan from the time I was a teenager. It was decent, no problems, rate kept climbing was the only thumbs down, but thats typical. Fast forward about 10 years: I got married, and my husband and his family were on State Farm. They said I should switch to State Farm with them because they had a loyalty discount. I talked to the agent, and got a rate of about 60 per month. Great. Unfortunately, about 4 months later, in all of my good years of driving, I got one of those damned red light tickets from a traffic light camera. I freaked out and dumbly ended up paying it. I should have contesteddone traffic school, but again, I made a dumb choice I cant erase. Right after that, my insurance went up to about 85 per month. They said the Good Driver discount was no longer applicable. And that was that. I kept with that insurance for the 3 years that one point stays on your license. And then, recently, I realized the point was probably gone now! But right around the time I realized that, I saw my insurance shoot up another 10. 95? The hell? I called my agent and I called the insurance customer service line to get explanations. NONE of them could explain the math to me. Apparently the discount was back on, but this year, insurance rates in my state were raised. But Im still unclear on the math. So, basically, even if I wouldnt have gotten a point on my license, in 3 years, insurance would have gone up THIRTY to FOURTY dollars? That makes zero sense to me. Is that even typical? Whats the story here? How can I get this rate to go down even a little? How do I play hardball with these guys? I even checked out Geicos rates, and Geico said they could get me a similar policy for 50 per month. I told the State Farm insurance agent that, and they basically were like, Well, let us know when you want to switch, and well close the account. No attempt to negotiate. TL;DR Insurance rates went up after I got a point on my license from a red light traffic camera, because apparently one of my discounts wasnt applicable anymore. I waited for the point to get off my license. Instead of my rate going down, though, it went up 10 more dollars, apparently because of state rate hikes. But supposedly, the discount was re-applied. What is this nonsense?  <response>: What I have been told by many people over the years is that insurance companies do not reward you for loyalty. The rates will always increase over time and that people tend to just stick with the same company thinking that there is some sort of fairness involved. I would recommend shopping around rates and seeing if you can get the same coverage at another reputable company for cheaper. I do it every few years if my rates get jacked up. 