Competition works, one of them did it, and they all had to follow suit. I was with Bel Air at the start of the pandemic and they didn't offer anything, I flipped to Co-Operators where my company has a corporate rate, plus they were offering pandemic adjusted rates, saved a pile of money. They've held the rates so far too, think I am about $1100 each for the Escalade and the DTS, full coverage on the slade and liability only on the DTS.
Just paid my Hagerty bill too for the rest of the fleet....Full agreed value coverage on all the other cars came to $1200. Hard to argue with that.