I keep getting Instagram and Snapchat ads for cheaper car insurance, and I know better than to click on them. With that said, I think 35 years is enough with my current insurance company. They've been raking me over the coals for a while now. When I first went with NJM, they were an exclusive mutual company that had the best rates. At some point they became generally available and their prices creeped way up. I've just been too lazy to look into it.