How much are you paying per year.  The last time someone posted about lower insurance rates I filld out an application and E-mailed it to the company.  About 10 minutes later the agent called me and told me to keep the insurance I have for about $1,700.00 a year, the lowest he could go would be $2,600.00 a year.  My insurance is through State Farm, but I also have homeowners and multi car insurance with them.