Might be partially credit. Especially based on your age (assuming less credit history in your 20s). It’s a soft pull but they do use it in basically every state.

I work for a small insurer and build our rating plans based heavily on Progressives rate plan. The only diminishing discount they have is their advanced quote discount. starts out around 13% and decreases to 0% overtime. Diminishing discounts vary between insurers but that 50% difference isn’t all from regular policy aging.

Only thing I can think of would be credit. It’s generally run at new business and never again unless you request it. If your credit improved since the last time, you initially started a policy that could do it. It’s a huge impact to your premium.

Oh yeah agreed. But he’s saying he stayed with the same company, just wrote a new policy.

What coverages did you change? You didn’t get a 50% drop from rewriting it with matching coverages