re: What is your Threshold for changing Auto Insurance Companies?

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Older one got a low points ticket and a minor wreck this last year that totaled his old arse car annd paid some indemnity

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Ticket and accident often make finding a cheaper policy difficult.
More often than not, it grandfathers your existing policy lower than what the marketplace offers (your existing policy may have a 15-20% surcharge to the base rate. A new policy often may have a 40-60% higher base rate with the driving history).

If you have an independent agent with Chubb, they can shop your renewal.
If not, try an independent at renewal. They may find something better.

If not, shop when the accident is 36 months old. And again at 60 months.

The new roof will definitely help. An independent agent may find a better home quote if losing the multipolicy discount doesn't offset the savings.

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So if we switch too soon, we get fricked in the arse.

If we stick around too long, we get fricked in the arse

Got it.

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If paying your insurance premiums is fricking you in the arse, yes.

I'm sorry you have to be a grown-up.

If the 2 chicks hawking Progressive will OREO me, I will switch then and there (after the sexy time, of course).

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Get a quote for a new policy online. It’ll ask you if you are already a progressive customer, click yes. Get the quote, put date to start before old policy expires.

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We used Jerry and got a great discount. I thought it was a joke because no way Progressive would allow them to give us a better rate.

You’ve got to shop them every six months.

We saved 1900 a year on vehicles moving to Allstate.

Then We bundled our home and saved 10 a month.

Had been with farm bureau a long time, but no loyalty these days sorry.

Have an independent agent

They automatically shop around every renewal

I also shop state farm myself because they cant shop that. State Farm actually came back cheapest last renewal. Geico was cheapest for auto

I'd never shopped mine out, was with Allstate for well over a decade with auto and homeowners. Then ~6 months ago was in a no-fault accident where a drunk driver hit us head on, his policy limits didn't cover the value of the vehicle so I had to go through the process of filing with Allstate. The entire claims process with them was a headache from Day 1, dragging their feet, non-responsive to communications, then undervalued our vehicle by ~$7000, had to fight them on it and took them nearly 3 months to finally pay out. Allstate will never see another dime from me.

Ended up swapping to State Farm, our homeowners went up ~$250 annually but our auto went down nearly $200/month.

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Incorrect. Maybe for the company you are with but weve changed 4 times in 2.5 years and it keeps going down with same coverage and copay

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It would be lower if you were with your current company over 3 years.

It would be lower than that if you were with your current company over 5 years.

It would be lower than that if you were with your current company over 10 years.

That's how math works (20% discount is greater than a 15% discount is greater than a 10% discount).

I am not telling people "not to switch". But switching for small savings is counterproductive. You are costing yourself money by not waiting for 2 or 3 years at a minimum.

I am not a fan of 'the lowest rate'. I also don't believe in jumping around. A local attorney once told me "if you want to be sued carry Allstate auto insurance". He said Allstate is known to 'never' settle an auto case. I talk to my local independent agent once a year to get a feeling for the current market.