My Camaro insurance is up for renewal next month and the quote they've sent me is higher than last year despite no claims, which feels like a loyalty penalty. I've been with the same provider since I bought the car and never bothered shopping around, but now I'm wondering if I'm overpaying. A friend told me he found a better deal by switching and his premium dropped significantly for the same coverage. I started looking into options and came across https://800sayara.com/camaro-repair-abu-dhabi/ which is about repairs rather than insurance, but it got me thinking about the bigger picture of ownership costs. My question is whether anyone here has actually switched insurance on a sports car and saved meaningfully, or is it all much of a muchness once you factor in the add-ons. Also, does the agency repair option matter that much or is it just a sales tactic? Would rather hear real experiences than marketing talk.