My rate stayed the same even when I moved from smaller state to another bigger state, 29 times the size, population wise. Same no accidents, no tickets, same coverage, almost the same sized truck except now with 4x4. And it stayed at the same rate. Even as our city went through 3 flooding disasters. Only about 3 years ago did it go down. Saving me $200 a year. Who know why rates go up and go down, too many factors at play.

Has any members been successful in asking to repair with OEM part if truck got repaired under a claim? How did you do it? I talked to my agent and says he can't. Or maybe he won't even though I agree to pay a little more.
I even ask what if, to a bodyshop guy. Bodyshop says he has to go what ever the claim says to use. He can't upgrade to oem parts even if I were to pay the difference in parts cost.