Here's where the loyalty part comes into play: if the insurance company doesn't like something, they can and will drop you or refuse to renew your policy depending on relevant laws. They might have decent service and pay claims without much of a fight, and those are incredibly valuable service qualities. So you're making the right decision for yourself if that's what's important to you and that's the experience you've had.

But if all things are equal, there's no good reason to pay a higher premium for the same service. You better believe that insurance company will drop you in a heartbeat if their analysis indicates that they won't have the level of profit from you that they want. As a for-profit business, that's their perogative just as much as it's yours if you want to switch.

I tend to agree with you by the way. Loyalty comes in many forms. I might not be loyal to a company per se. If they've consistently provided me with a level of service that I'm satisfied with at a price that I feel is appropriate for the value, then I'm not going to go through the trouble of checking prices and switching carriers every year just to save a few bucks. And there's the hassle of being hounded by a half dozen companies that now have your contact info after you requested quotes. That's all a big no thanks from me.