I Just Saved $1500 a Year

Liberty Mutual was pretty high for Auto. I called my agent and since I made 3 years with them with no claims or tickets, they were able to give me the same coverage from $320 per month to $200 per month for 2 vehicles.

Just switched to progressive and saved 2k per year

Very happy

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Saved money and got much better coverage to boot by moving from Liberty Mutual to USAA for auto/homeowner's insurance. It pays to shop around every few years.

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Funny how it works. Had USAA for home in New Orleans with good competitive rate. Buying a house here and they were high by over $1000. Thought I'd do better in their backyard but nope.

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It pays to shop around every few years.

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In order to get the best rates one generally has to change insurers every few years, the industries fee structure is set up to entice new customers not retain existing ones.

I swap between Allstate and Nationwide every few years.

I received a flyer from a local company the other day quoting 1100 a year for my house based off an Zillow appraisal which seemed to be close to the actual value. I currently have USAA and pay about 1600 a year. I wonder if it is worth looking into? only concern is I have my cars insured with usaa and not sure if it will mess up any discounts I received due to that.

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figured out most folks are just too lazy to bother and pay a higher premium for convenience.

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This is my toughest battle. People are too lazy. As an independent broker, I literally close 80% of the new business I quote. Sometimes I save $10/month. Sometimes I save $300/month. My average savings per year, per personal lines policy right now is $427.
To some people that's a lot of money, others not so much.

Pretty simple.
I have access to 12 auto carriers (progressive, SafeCo, National General, Travelers, Hartford, State Auto, Nationwide, etc)
9 homeowners/condo carriers (located in orange beach, so condos are a big draw)
And, over 40 life carriers.

You call me up. Take 6 minutes of info gathering. Shoot off your info into what is called a "rater". Get instant quotes back for auto. Takes a day or so for home, since there is more that goes into it, especially along the coast.

As opposed to being a captive agent (State Farm, Allstate, farmers, etc), brokers can shop around.

You just provide basic info (dob, address, name, sometimes dl #, never ssn) and from that, most companies can pull up your vin and your insurance info so they can match the coverage. Also include any wrecks or tickets in the past 3-5 years, depending on the company.

Brokers get paid a commission, between 10-15% of premium.

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My 6 month premium for 2 cars is $1009/6.

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LA is, by far, the most expensive state in the union to write personal lines insurance.