People are either lyin out their ass on their own accord or using the "I know someone that..." story.
My car got stolen on January 20th. I had a check by February 14th even though Progressive said it would be 30 days before they closed the case and sent the check. My insurance never went up. But then again your rates don't go up unless you fukk up. Not all car makes and models have the same insurance price. If you go from a Toyota Corolla to a Toyota supra, your fukking rates will go up. Likewise if you got from a Nissan 350z to a Nissan Altima, your rates will drop.
Now most people have one of the companies, state farm, progressive, farmers...they tend to handle shyt pretty evenly. And know how to handle shyt, every once and again some a$$hole is like "my cousins neighbor is 'my insurance guy' and they are paying stupid rates and don't have Dumb shyt that's included in 99% of regular packages like roadside assistance, tows, even rental reimbursements.
Like I said, I have progressive. No elite package. No work discount. Just full coverage. I got my money back. Not a fraction of it, not a quarter of it. They for sure didn't run the blue book value cause I wouldn't have got shyt. But this is just my experience.
....nah. rest in piss you little shyt stain
