Well bless their cold, black, thieving little hearts!!!! Been with them since '93. Have had exactly 2 claims, doesn't seem to keep my rates from going up. If the package I have wasn't so good, I'd look elsewhere.
Sounds like State Farm. I was with them about 30 years. The last increase on my house was the end of the line. The reduction I got on a total pkg going with another company was enough to cover my house insurance. I offered State Farm a chance to match but they would not budge. I finally got smart and went with and independent agent. She represents many customers and can shop it for me. These insurance companies play the game that cable/satellite, REPs and phone companies play. They offer a low rate to get you in and hope you become complacent.
I had state farm for about 12 yrs. couldn't pay for a full yr up front, just 6 months. last 4 renewals they jacked my price.
when I called and asked why, uninsured wrecks and young drivers were causing more to be paid out. I have not had any type of ticket in my pickup in over 35 yrs. and drive less than 20k a yr. yet I still paid about 1,700 a yr. for full coverage with basic limits (no million $ stuff etc.).
now have an independent co. and can prepay a full yr. at a time with no rate increases in the last 3 renewals.
same with the ones that have to have an ad on every cable channel every 30 mins. won't buy from them either.