Generally, a conversation starts with  ” wow I got my renewal and the rate is up…”  followed by them explaining how they looked at last years policy and are now not happy.  How about this, if you are going to raise the rates you must put last years rate right next to the new one.  Followed by a sentence like;

” We raised our rates due to a tough year, sorry.”

or

” Your rate is up because we ran your motor vehicle report.  Please drive more responsibly.”

or

” Your rate is up due to the surcharge we applied for your at-fault accident”

Take the guesswork out of it.  Quite honestly being honest will make my job easier and may win you some loyalty points.  This may be being done on a small scale however it would be much more interesting if a state required this to be done.

Just a thought.