If a company offers you a discount for home and auto insurance with the same company, do the math. I once had an agent tell me that the discount was 25 percent, but that was before including all of the built in discounts. The actual discount was less than 5 percent. Also, what happens when they increase your homeowners rate by 30 percent, but you want to keep the auto insurance? If you think about it, does it really make sense for a company to give you a substantial discount just because you have two policies? I prefer to shop around for the best home and auto policies separately.

Amica (national & online)
 

Amica always top rated, have had them for about 30 years, home and cars. Made one homeowners claim for indirect lightning damage July 2014 which was paid quickly without subsequent premium penalty increases. Reading this thread has me questioning the uninsured motorist pros/cons. I have 300k, stacked, which costs 600/yr covering 2 cars.

If u read his entire post he said if it was a 6 month quote, he doubled it

I just want to say it is SO PLEASANT when people (like those on here now) provide so much information like you have, and others reading it do not feel compelled to start an argument or prove how their decision is much better (like the yes or no to uninsured motorist and other fine points). Just so nice when people share, but then don't feel compelled to prove they have made the superior decision. Right now I am SO CONFUSED about what is going on in our neighborhood concerning home owners insurance too !

WOW - thank you for doing all that hard work - very impressive - I appreciate you sharing.

Interesting. Just signed with Southern/Auto-Owners at substantially less, even for one driver

Well, without posting all the exact coverages, type/year of vehicle, drivers ages and other relevant details etc etc etc "substantially less" doesn't really compute for an apples to apples comparison which was my purpose in listing everything in the OP. One thing, I would guess 1 driver would be less than 2 drivers. My first bill from them 1 year ago was also "substantially less" but for some reason my renewal became almost 30% "substantially more" with no changes which is why I am shopping. :D

I am beginning to think insurance companies just tack on random rate increases to see what sticks at renewal time. :)

Just quoted with AMICA. Their computers must be broken. They come up with $2800 so not going to even bother calling to verify. That's a record.