我 insurance 無加喇 (still going to pay the same as last year)......但我老豆阿媽話點解唔減姐......因為佢地話我揸左 10 年車....點解唔係每年減.....

is it your first time ever?
if it is, it doesn't affect your preimum woh.... (for most insurance companies, i know Co-op and AMA do)

妳係交o左錢先計喎, 如果妳依家 renew, 張 ticket 唔計落今次, 再加上好多都有 1 次機會, 妳真係覺得貴咪搵另一間o羅, 可以做好多個 quote

oh i see.....咁個 gird level -8 or - 10 is better????

咁再睇埋其他, 唔同車有唔同計法, 唔一定每年都減!

oh....
that's not true
there is a minimum you have to pay
it doesn't reduce every year
it only reduces as the average preimum decreases (for example, total claims last year were less than previous years)

if it reduces every year, by the time of 60, you may need to pay just $1 for a year??

but too bad, I'm with ING

唔識啦!

ask them loh, just give CS a call

邊間貴呀, 搵過間啦! 邊間就要quote 先知