my car insurance went up 34% at renewal and I did absolutely nothing differently, no claims, no tickets, nothing changed

I've had the same policy with the same company for six years. Same car, same address, same everything. Never filed a claim. Zero tickets. My record is genuinely spotless and I have never given them a single reason to charge me more. Got my renewal notice two weeks ago and it went from $118 a month to $158. No letter explaining why, no call, just a new number at the top of the same document. I called to ask and the rep told me it was due to "market conditions and regional risk adjustments" which is a sentence that means nothing and everything at the same time. What actually got me was when I asked if there was anything I could do to bring it down and she said I could take a defensive driving course. I am 31 years old with a six year clean record being asked to take a driving course because their actuaries decided my zip code got riskier. I spent about two hours that evening getting quotes from other companies and found two that were significantly lower for the same coverage, one of them being $109 which is actually below what I was originaly paying. I called back my current company, told them I had a quote for $109, and the rep put me on hold for four minutes and came back with $112. Six years of loyalty and they were perfectly happy to overcharge me until I threatened to leave. I switched anyway out of principle. The whole thing took maybe three hours total and saved me over $550 a year. If your renewal came and you just paid it without checking around, please go get some quotes today.