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Message: <blockquote data-quote="Jwryan84" data-source="post: 1937754" data-attributes="member: 8933">Insurance doesn't work on loyalty.  Your risk is insured for the policy period, usually 6 months to a year. They determine the amount of premium by how risky you are, that money goes into a pool for the policy period and is paid out during that policy period.  After that, it's gone and you start over, no loyalty, just coverage for that policy period.  Your premiums don't just hang around for so many years until you need them, they don't keep count on what you have paid in in the past.  Just that if you have loss during the policy period you have coverage.If you be dropped go somewhere else with a policy you like.  But don't blame the insurance company for not understanding how insurance works.</blockquote>