Pricing: Have I missed a staff meeting?!

On Reddit, someone made an uninformed-seeming comment about insurance pricing, and has doubled down. Is my knowledge of (I presume) P&C pricing out of date? Here's the exchange...

Quote:

Originally Posted by original comment Reminds me of when you shop around for insurance and your current provider randomly calls you and tells you that they were able to magically find a lower rate for you. Quote: Originally Posted by my response Except they can't, in America. Quote: Originally Posted by doubling down Can't what? I've had the same insurance provider for over 8 years. Twice in the past 4 years I've shopped around. Both times, within 4 days of me beginning the search, my insurance guy called me and told me he was "looking over my account" and found some places to reduce my premium without changing my coverage. Both times I had found somebody who was cheaper by enough to make it worth my time, but my current insurance came down enough to keep me with them.

I find some of the wording suspicious, to say the least, but... you never know.

Pricing: Have I missed a staff meeting?!