"We will be able to give you any additional savings that you might be entitled to (on your renewal date)," the rep said.
(Cue that DJ-scratching-the-needle-across-the-record sound effect that they use so much with unpleasant surprises on reality TV.)
My renewal date isn't until June; I didn't want to have to wait that long.
It was time for me to take action at that point, Passmore says.
"If your current insurer won't (reduce your rate), you probably should just shop around," he advises. "You could always go back to your insurer and say, 'Hey, I got a better rate from somebody else. Do you want to keep me?'"
'Age ain't nothing but a number'?
It turns out that turning 25 doesn't always mean you'll automatically save on auto insurance, and not just because you'll probably need to be diligent and ask your insurance company to give you a break.
Though you're transitioning to a different risk pool, there are some factors that could keep you from saving money on your coverage, including any traffic tickets on your record.
Buying a sports car or even a newer model car also could affect your premium, since those types of vehicles typically cost more to insure, Bach says.
On the other hand, some factors could work in your favor, such as getting married, Passmore adds.
Still, keep in mind that all insurance companies don't operate the same way, he adds.
"Companies differ in how they approach the underwriting process."
Loyalty comes with a price
Insurance companies are more likely to come up with a reason to raise your rates before they find a reason to reduce them, which is motivation enough to be proactive about securing the savings you deserve, Bach says.
"It's good to take matters into your own hands and use competition to your advantage," she says.
Use online resources, such as Bankrate.com, to compare auto insurance quotes and find the best rate for the coverage you need.
You also should consider raising your deductibles to an amount with which you're comfortable, Passmore adds.
"You can save a lot of money year after year by just increasing your deductible by a couple hundred dollars," he says.
Also, be aware that your insurer may expect that you'll never shop around, and research suggests that remaining loyal to your insurer may cost you.
"If your insurer assumes you're going to stay with them no matter what, then they're not going to give you all the discounts that you may be entitled to," Bach cautions.