I can't agree more with the Shop Around crowd. Last year after another $100 increase in both my auto and Homeowners I called and asked for a rate review. I was given a token decrease after being with Liberty Mutual for over 40 years with an excellent payment and claim history. I then shopped around and got the same coverage for home and auto and a $1 million Umbrella policy for a little more than half of what I was paying Liberty Mutual. When I called to cancel they acted hurt and asked for another chance to keep my business. I gave them the chance but they couldn't even erase the $100 increase they were asking for. A year later I have excellent coverage from a great company for about half of what I was paying. SHOP AROUND! call an insurance broker who handles many different lines.