Originally posted by transio
've been with them about 10 years and I have my house insured with them

Your rates will never go down by staying with one company. You have to switch companies every two or three years to get the best rates. There is no such thing as loyalty rewards in the insurance business.... just screwed suckers. They are counting on your ignorance, laziness, and dread of shopping around to keep you where you are so they can slowly raise your rates a little every year (or a lot if you get a ticket/crash). I got a much better rate by switching from AAA to AllState the same month my friend lowered his even more by switching from AllState to AAA. It really doesn't hardly matter who you switch to for better rates, only that you switch! It's sickening.