Go through an insurance broker. Every couple years I try to do this just to make sure I’m not getting royally screwed.

Years ago I liked a specific Progressive Insurance agent but then one year my rates jumped up like 20%. Perfectly clean record for my family and no other reason than I was told by my agent than the insurance company was doing it to all customers. Switching actually gave me a cheaper rate than I was already paying.

Insurance companies are out to make money just like any other company. A broker will help pair you up with multiple offers and help you compare.

Check your employee benefits at work too. My company offered a broker as an employee benefit so I was able to do it through them.