<prompt> Human: Thanks for the reminder PF! We were paying just over 200 for 2 cars and a home with Allstate. Which was cheaper than our previous provider, Farmers. We had 6 quotes done for us, including with Allstate. We almost went with Esurance, but then State Farm came in with an even lower quote and better coverage. 102 a month for everything. Most car insurance quotes were around 500-650 for the 6 month premium, but one came in at 1291 for their 6 month premium. Also lower coverage. That gave us a good laugh at least.  <response>: Here are some reasons why you save money by switching companies.Credit: Your credit may have improved, but your current company is still using your old credit score. When you get a new quote from a different company, the rate is based on your current credit and if better, saves you Sign up discounts: Most companies will give you an unspoken discount for becoming a new customer. This discount may go away slowly over the next few years. No need to panic, the company may have loyalty discounts that kick to balance things out.All discounts activated: The new company may have given you all their available discounts while you were never signed up for all the discounts at the old company. It pays to review your policies every couple of years to see what your company has to offer that is new.Ticketsaccidents falling off: Most companies will adjust rates for a ticket that is three years old only at the next renewal. If you have a ticket completing three years this month and your policy dont renew till Feb, you will still be rated higher till Feb. But the new company wont, if you shop now. 