I say this a couple of times a week. When it comes to insurance there are two specific times that this is a popular phrase; claims and loyalty.
With claims, I am asked “but will my rate go up?” Odds are pretty good but it is not certain that your rate goes up if you file a claim. I have seen plenty of awful driving records but since they have not had their records reviewed by the current company the rate is solid. That doesn’t mean rates do not go up with claims, it just means that you have somehow avoided having your record looked at. Also find it amusing to watch Nationwide and Allstate advertise “diminishing deductibles.” Seriously, most people do not have claims. The most common claim is an auto insurance glass claim and that already has no deductible. In my opinion you are better off holding on to to your money.