Companies such as…?
We liked travelers, but they started to creep too far, went to California Casualty. Had never heard of them….
I'll name one I'm familiar with, Erie.
The only time that my auto rates have fluctuated is when we have purchased a new vehicle.
Even when we shopped it then, they still had the best rates by far.
On the house side, we have seen some creep, as coverage has increased with replacement value increases.
However, when coupled together with discounts, our premiums have been relatively stable for years.
For instance, we have full coverage on all four of our vehicles for $1010./yr, since we purchased our Pilot in '20.
Prior to that, I was at $844./yr for 4 years with our '06 Odyssey.
When I was working and doing high mileage, I was at $1395./yr for years with the same set of cars.
My FIL was paying $1100. on two cars with liability only with his previous company.
He shaved over $1600/yr off his home policy, with better coverage.
There are lesser known regional companies that are very conservative with what they write, and don't assume a great deal of risk.
Their premiums reflect that conservatism.
They generally are the ones that don't have a huge TV presence.
That is why a good independent agent representing a plethora of companies, or a good broker are valuable.
The best companies aren't necessarily the ones with a huge national exposure, with Flo's, Jake's, Gekko's, or weirdos driving yellow Dusters, being chased by an Emu.