[justjim]

OP, good luck with your shopping. You might get a company that will give you a slightly cheaper rate for a year but then really stick it to you or cancel you the next. Full disclosure, I was with State Farm for many years and retired and move to Florida. At the time, State Farm
would not insure my new house because of their losses with Katrina. I had one small claim in 40 years. That has changed. So I dropped them because I was mad. Bottom line, I shopped around and ended up back with State Farm. They are a Mutual company (Policyholders are co-owners) and any profits are paid out in dividends. There is an incentive to keep costs and rates low. That said, a Stock Insurance Company also may pay a dividend to their stockholders. Nice to have choices.