Don't offer me a better rate when I call to cancel.

I recently discovered that the car insurance I can get through my credit union is half what I was paying to another well-known insurance company.

My former insurance company kept raising the premiums slightly for collision-only insurance on my 15 year old car.

So I was thrilled to get the same coverage for a year from the new insurer.

After the new policy was in place, I called to cancel my former insurance.

"May I ask why you are cancelling?"

"Well, I've found other insurance that is half what I was paying you."

"Let me see if I can get you a better deal with us."

I politely said No, thank you.  But what I was thinking was, Really?

So you are telling me that the price you have been billing me, the price I have been paying, was negotiable?

That if I had complained and threatened to cancel before this, you would have given me a better price?

I had been happy with my former insurer, but now I feel like I was being scammed.

Thanks a lot.