I was with State Farm for 30 years. Asked about getting a better price and told they are as low as they can go. I decided to check prices elsewhere and reduced my costs $1400 a year. 5 years with prices creeping up every year I checked prices again. Dropped another $600 per year.
Now every 3 to 5 years I go online and shop the major companies. How will they perform when we have a claim? Progressive sent a check directly to the repair shop 4 months ago when the wife backed out before the garage door was open. No problems at all.
Not sure who I'll be with in a few more years but price matters when you are paying for something you will likely not use.