What I don't understand is why carriers go to such great lengths to be pissed off at insurance renewal time.
Everyone has to have insurance. It's going to cost you money. Why would you not go to the same efforts to mitigate that cost as you would to land a new customer?
A penny saved
is a penny earned ... right?
And as far as rates go, you have to earn lower rates. You don't just get them because you're a "swell guy", or because you know a guy that knows a guy.
Most insurance brokers, the ones that do your house, life, and wife's car, don't have a clue about commercial truck insurance, and wouldn't know how to write a policy if their lives depended on it ... all they see is the commission cheque, and are in no way motivated to reduce your premium cost.
The ones that make me laugh are the ones that say "Yes, of course I do commercial trucking. I have a guy with two dump trucks and a backhoe in Otter Rapids, Ontario.".
However, as long as carriers continue to care only about their insurance renewal rates, keep bouncing around from company to company to company every 6 months or year, and paying top dollar rates, people like me will take advantage of that market structure ALL DAY LONG