Personal Lines Rate Increases

I work for an independent agency and we remarket anything that has gone up more than 10%. If we are able to reduce the premium, we advise the insured and send them the quote.

My question is more about what to do when we rate it and we can't save them money. Would you rather know I did review your account and can't save you money? Or should I not say anything, as perhaps you didn't notice the increase and I bring it to your attention, will you shop it around now.
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