Rates fluctuate often and the reason for that is the amount of claims the company had the year before. If the companies are paying out on claims in excess of what they had predicted they would, then that's a sure sign that that company s rates will increase the following year. Remember to shop around and ask questions. Even if you don't understand the basics of your policy, your agent should be able to assist you in your needs. An Ohio Agent Company Rating One way to check out the companies that you are getting quotes for and have never heard of is to contact your state department of insurance.
Some companies give lower rates because they eliminate the agent.
They are direct writers. You will usually save money that way, but if you eliminate the agent you need to be prepared to not get the same kind of service. You will never get to talk to the same person when you call and they may not have as quick a claim service if you were to ever have a claim. One way to lower your rates at your current company is to check into increasing your deductible. If you are happy with the company you are at, you should probably stay there.