I've seen "suggestions" online about changing insurance coverage EVERY OTHER YEAR ... to get cheaper rates, better coverage, etc. But they also say to check with at least 3 different companies annually vs your current insurer (price comparison shopping, as it were).

I had Progressive for many years & never had to file a claim, yet the rates increased yearly (on the same vehicle). I switched to Geico for a slightly lower rate several years ago, but their rates also climbed yearly. When a storm blew a tree down on my truck & totaled it, Geico gave me $13K for it (& I paid $17K for it about 10yrs ago). It was a 2006 Tundra, and has been replaced with a 2010 Tundra for $15K. And of course the insurance is higher, because the truck is newer, but I'm betting the value of this truck is less than my 2006 Tundra (much higher mileage than the 2006, which was the major factor in my getting the $13K for the totaled vehicle).

This is not an endorsement for either Progressive or Geico. Just adding another company to check with (Geico) and see where it stacks up against the others mentioned.