I called and turns out my insurance was already so “low” that 2% is the most it would have ever offered.
I dunno about elsewhere but in Canada, insurance is like tech job salaries, the only real way to get the best deal is to change providers every few years.
I had Farmers for about 5 years in a row. It started off at $440/6months and ended up at $900/6months -- on the same two cars (comprehensive on only one of them). I tried calling them up and asking why my insurance was going up when the amount they were actually covering was going down due to depreciation. They avoided my calls and lost my business.
Now I'm trying to deal with the legalities of having a child in college in another state, but no car.
I have a hunch that the risk is the longer they keep you the more likely to have an accident they have to pay out. So if you are a good customer, no claims for 3 years your engagement with them has been very profitable. If they keep you for another year and you have an claim then that engagement is unprofitable. Just a hunch as insurance math is complicated.