But if you're getting good service why move?
Thats another problem with the way people look at insurance, they look at it from a "cheapest is best"standpoint and leave companies they have decades of experience with to save $100. If you view your relationship with your insurance agent and company as a long term one then you will recieve much better treatment than if the company knows you're going to up and leave over $100 anyways. My insurance agent has insured me since I could drive and my parents for about 20 years. I wouldn't think of switching (unless it was like half the cost) because I have an established relationship there. I call him up and say "Hey Keith, I need a windshield" done, no questions asked. Or "Hey Keith, someone hit me in the parking lot will it effect my rates?" "No Steve, you've been our client for 8 years, why would one parking lot mishap thats not even your fault affect your rates?" As opposed to a company you have no history with. I've seen it happen, I've seen people jump to a new company because of lower rates and get dropped after one claim. Wow, they sure saved a bunch of money now huh? People have no loyalty nowadays, and when you don't give professional loyalty to a company you do business with then why would you expect fair and loyal treatment from them?
Just food for thought.