We go through a broker. We insure our house and two cars with higher limits than we had AND a 1,000,000 umbrella policy on top of both for much less than we were paying before. The broker does the shopping for us and every 2 or 3 years they change our policy to another company (asking us first, of course). It's easy and cheap! we always get major companies...never GEICO...heheh
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