You might shop around every year and switch frequently but as someone working from the inside insurance carriers will see that and charge you more for it. Also, a REAL pro tip: raise your coverages to the highest limited for 30-60 days prior to being quoted and you’ll get a better deal. Same if you pay in full or two pay. Haven’t the lowest coverages and then trying to be quoted actually gets you worse deals. Insurance companies get you going and coming. Lol.