wmc1000
Thinks s/he gets paid by the post
Before switching when we moved to our current location, I'd literally had SF since the 70's (back when you needed a current policyholder to recommend, as I seem to recall)
When we checked what the costs were in our current location, when moving there, the increase in costs for identical coverage that we had before was very significant. I then talked to an insurance broker for quotes for identical coverage and compared to the SF quote. One aspect on SF policies is that certain aspects are paid for EACH vehicle that you insure or may be duplicated in other policies that you purchase whereas other companies only charge for the coverage on whole package. I examined the SF quote and found this definitely adds up and yes we already had included decreases due to multiple policies (HO, vehicle, umbrella) and use case (retirees often get reductions since they generally drive less and when they do it is in lower traffic timeframes, so less likelihood of accidents caused by others)
We ended up with Erie, which is also very highly rated, at a significant savings. They carry coverage for HO, vehicle, and umbrella.
Erie is who we have also for home, auto and umbrella!