Join Date: Feb 2012
Location: Fountain Hills, AZ
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As mentioned in other posts, there are just tons of variables for each of us, thus comparing rates is really impossible. In addition, it is my understanding that our credit score also figures into our rates.
I just start shopping for rates when I get the feeling there have been too many rate increases without claims to justify such. Then, just weigh the pros and cons of the new company and make a decision.
The last change I made was after years with a company the rates began jumping. I shopped and found the same coverage at just 50% of what I was paying. After four or five, 6-month billings, there have been only modest increases with the largest just under 3%. And, as we see in all the previous posts, each of us has a different experience with different companies. So the names of the companies I have used really are only applicable to my wife and me, our driving record, where we live, our bill paying history, etc.. I think it has always been just shop until you are satisfied, IMO.