It is 100% true that they want to retain their good customers, and they don't do that by wildly increasing rates on those customers. I'm not saying that rates won't go up for any specific customer, but if an insurer earns your business, has your risk priced accurately, and you're a good customer, they want you to stay. By "good customer," I mean someone who pays their bill on time, has at minimum home and auto and preferably something else like boat/RV/motorcycle/etc, doesn't have a terrible driving record, doesn't leave a path of destruction in their wake. A ticket here, a fender bender there, and they're typically not doing a whole lot with your rate if you meet this description.