I have insurance from State Farm and will continue due to excellent service and claims history. I had a trailer which literally came apart on the freeway( undiscovered water issue), called claims and sent pictures, received check for entire value(totaled out) in two days. I was told to do what I wanted with the trailer and sold it for parts to a dealer. No muss, No fuss. Having a long term relationship with an agent which I can call day or night (he will answer) is worth more than a quickie discount that goes up the next year.