There is a downside to shopping every year. If you have a claim and you have a huge premium increase you may not be eligible for another policy with a new company. Also a company that offers you a much lower premium may not be collecting enough premium to actually pay their claims, purchase adequate reinsurance after a catastrophic loss. The old saying that if it sounds to good to be true it probably isn't applies. I do agree that having a local agent that you can actually walk into their office and talk about your polices is worth paying a few dollars. After all we buy insurance to protect our investments. Having an agent who recognizes that and understands coverage's is priceless.
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