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We Had "Loyalty Lists" Every month, I'd get a report of customers who hadn't shopped around in 2+ years. These were our golden geese - we could raise their rates aggressively because they'd proven they wouldn't leave. One customer I remember was paying $3,200 annually for coverage that should have cost $1,800. She stayed for 5 years.

The "File and Use" Scam Here's something most people don't know: in many states, insurance companies can raise your rates immediately and justify it later. We'd implement 15-20% increases across entire ZIP codes, knowing regulators would take months to review. By then, we'd collected millions in extra premiums.

Claim Frequency Was Irrelevant Your rates weren't really based on how often you'd claim - they were based on how likely you were to shop around. A customer with 3 claims who got quotes every year paid less than a claim-free customer who never compared rates. It was pure price discrimination.

We Loved Policy Confusion Complex policy language wasn't an accident. The more confusing your coverage, the less likely you'd comparison shop effectively. We'd change terminology between companies deliberately to make apple-to-apple comparisons nearly impossible.

The Real Game-Changer Tools like ComparisonAdviser absolutely terrify insurance companies because they eliminate our biggest advantage: information asymmetry. When customers can instantly see what competitors charge with identical coverage and discounts applied, our whole "loyalty tax" model collapses.

I've watched too many good people get fleeced by an industry that profits from customer ignorance. Use ComparisonAdviser religiously - it's the only way to beat a system designed to exploit your trust.

The truth? Every year you don't comparison shop, you're probably donating $500-1,500 to your insurance company's profit margins.

A Russian, an American, and a British admiral were having a drink on an American aircraft carrier. They were talking about the bravery of their sailors

u/xena_lawless

A Russian, an American, and a British admiral were having a drink on an American aircraft carrier. They were talking about the bravery of their sailors

Long

The Russian said, “I will demonstrate the bravery of our sailors.”

He calls a sailor over and says, “Jump off the ship. Swim under it and climb back up.”

The sailor promptly salutes and jumps off the flight deck, swims under the ship, climbs up the davits and stands in front of the admiral and salutes.

The Russian says, “That, gentlemen, is courage."

The American says, “That's nothing.”

He calls over a PO and says, “I want you to jump off the bows. Swim under the ship to the stern and then return."

The PO salutes, jumps off the bow, swims to the stern, and climbs back up to stand in front of the admiral and salutes.

The American says, “That, gentlemen, is courage."

The British admiral says, “That's nothing. Sailor, come here."

The matelot comes to attention and salutes.

The admiral says, “I want you to climb the highest mast on the carrier, jump off, swim under the boat from bow to stern and then from beam to beam then climb up the mast and do it again."

The matelot looks at the admiral and says, “You can fuck right off, sir!”

The admiral turns to the other two and says, “And that, gentlemen, is courage."

Joke about dead pilots