Apparently there was a rate increase across TX that everyone is paying for......so they raise the rates across the state, to make sure they have enough to cover everyone (so they say). My multi-policy and multi-vehicle discounts are I was told a fixed percentage along with being a preferred operator, and renewal discounts. My motorcycle policy goes up $450, yet my discounts are 50% of what they were last year. With a rate increase if they are fixed I would expect them to be bigger not less than last year, and after being put on hold....they don't have an answer all of a sudden. I asked if I and everyone else they cover was being penalized because of other bad drivers and she basically said yes. I asked if I could quadruple my $1K deductible and they said they won't go any higher than $1K and no other company will either. Now I need to shop around and start from scratch......what a PITA.