Insurance is this playing chess. You have to move your piece to win. Lol. I get an auto insurance company and they sneak up the rates on you all the time. I had travelers for the last two years and I’ve got a niece that went to work for a big insurance company in Dallas and she got me in with progressive. The rate on five cars dropped down about $60 a month. She could not touch my homeowners. I’ve had it with a guy for years at about $1500. She said they had big increases this year and the best she could do was $2500. Last year that rate would have been $1800. She said my insurance was a different tier level that she could not write.