Not at all. They want your money. They don’t care how much you switch to their company. I just switched last week. My car ins went from $152 a month to $87 a month. Now I bundled homeowners ins with my auto ins when I switched to State Farm but if I didn’t bundle it still woulda been only $104 a month. That’s for 2 people yet & we don’t have bare bones ins either, also have a $500 deductible so not too bad. The only real disadvantage to constant switching is it’s a slight pain to get stuff switched over.