A few weeks back I tweeted "Things that are simultaneously awesome and terrible.." With the caveat being kids make them better. My example was a Zoo. This morning, on the list of things that are simultaneously awesome and terrible, is a combination of people sharing about how much money they saved on auto insurance and at the same time that person comparing their savings and rates with friends.
Is it nice to share the good news? Yes
Is it nice to share when you learn something new? Yes But, at the same time, we really do not know why you saved and you don't really know how an insurance company will look at your friend.
When was the last time you shopped? If it is over two years, that often impacts your savings because you may have "missed," a window of savings.
What is on your driving record? Tickets and claims have varying impacts and adjust over time.
What about your car? How old is it? Do you have "full coverage?"
Sure, this is too much to share in a typical social post, I get it. But "Simultaneously awful and terrible" certainly fits this situation. Your sharing creates activity for the various insurance shopping sites and then those companies decide this is what they will put in their advertising. This then encourages more shopping based on price. All of which, whether we like it or not, tends to increase prices for many companies since they need to pay for that advertising somehow.
So what do you do? The short answer is reviewing your insurance no less than every 2 years. Part of that answer is a personal responsibility. Yes, it's hard, but think of it as another way to make money. IN fact, done right I'd bet you make $100+ an hour when shopping.
The bottom line is remembering there are 300+ BILLION different experiences occurring around the world and yours isn't mine and often isn't your friends.