Or build a personal relationship with your agent. I occasionally check my rates with competitors, and they can never beat my existing rate. My agent will call us any time there is a new program or discount that might save us money.

My agent understands the value of a long term customer who brings in other long term customers. When we started with him it was because my mother in law was already a customer. We just had car insurance at the time.

But as we moved on in life, we added a second car, then a house, then an umbrella policy, and so on.