I'm Switching Insurance companies!

As a bit of history, I have been Insured with this company for over 10 years. I have had a clean record over those 10 years and have never made a claim.

In the past, I was pleased that my rates were competitive and more or less fell within the reasonable realm of insurance charges.

Last week, my insurance renewal came in the mail. My insurance had gone up by 25% for no reason. Here is a synopsis of my phone conversation

Me: Hello, why did my Insurance go up by 25%?
Broker: Not sure, it's inexplicable, you have a perfect record.
Me: Ok, Please lower my rates. I have a competitive quote for $600 less per year.
Broker: Wow, that's a lot. but if you stay with us, your $500 deductible will be $0.
Me: I'm saving $600 annually by switching; so, even if I get into an accident with the other company and pay my $500 deductible every year, I'm still saving $100 per year over you guys.
Broker: The Government forced us to increase our rates. Sorry.
Me: I read That was last year. Our insurance company was approved to go up by 5% at most.
Broker: Yeah, sorry, I don't know. We just suck as a company*
Me: I will be switching. Thanks!

*The broker didn't actually say their company sucks. He actually said that Insurance companies had their premiums increase due to the government. the 5% was an average by company. Some people got dinged higher for no explicable reason. It's the Government's fault for forcing Insurance companies to pay for their own medical liabilities.

So, I'd like to take this time to thank my insurance company for saving me $600 this year.