So the last time I shopped was a few years ago , I was with American Family at the time and got tired of constant bill every few months. Got ahold of my agent and told him I wanted everything due on 1-1 of every year , was told they couldn't do it . Asked for 5 years of loss runs . Miraculously about 2 weeks later they COULD do it. So we were done. Gave my loss runs and copies of current policies minus the premiums to State Farm , Allstate, Nodak, Farmers Union and independent agent. Never got a call or quote back from Farmers Union or Nodak. Allstate was basically the same as American Family , State Farm was 35% higher and the Independent agent came thru with Auto Owners at 35 % less than I was paying with American Family , with higher liability limits , higher umbrella limits . Very small increases until this year when everything stayed close except the home went up 35% . So I guess next fall I will have to shop, got my quote to late this year to do it .
