I just got my renewal notice and my monthly premium went up by almost $80. I haven't been in any accidents, haven't gotten any tickets, and my driving record is completely clean. I called my current provider and they just blamed 'market inflation and the cost of repairs,' which feels like a total cop-out. Has anyone actually had success negotiating their rate down with their current company, or should I just start shopping around? If shopping around is the move, who are you guys using that's actually affordable right now?