My Rv insurance cost went up 28% & I've had zero accidents

Yep, Its said to change insurance companies every 2 years......for everything. Most people don't balk at a slight increase every year in their premium but over time.....they got you. Initially companies low ball their quote to get your business, but of course everything is tracked today. They know. The thing is, someone out there wants your business worse than the other guy so you will find an acceptable rate eventually. I like using an independent agent with a local office in town but you need to keep a close eye on some of them too.