[Cajulian]

One last comment (maybe) and I will be quiet.

It does make sense to shop around, if you have a good agent and you have asked questions on your opportunity to optimize your coverages or switch within their product offerings (new sub-company). If price improvements can't be found then go out and get quotes. MAKE SURE when you get quotes, you compare Exactly what your existing policy covers versus what the new policy will cover. Also, check if they significantly increased your Deductibles as this will lower your price, but you will pay more out of pocket when a claim is incurred.

However, remember, even the other companies will face claim losses from time to time and their Book of Business will be diluted with claim losses and the rate increase cycle starts with them. ALL insurance companies incur this situation.

Remember, it never hurts to move away and come back to a good company when their product pricing is in better shape. If your Agent is any good, He or She will try to win you back when they have a better pricing structure to help you.