<prompt> Human: What is the best way to shop around for home auto umbrella insurance?Ideally, I would like to print my declarations pages that describe my current coverages and have multiple companies offer quotes that include my total expense for home auto umbrella coverage. I just want to email them and ask Hey, how much will all of my insurance needs cost based on these current coverages? Is there a way to do that indicates the combined cost with multi-line discounts? I am much less likely to do this if I have to spend an afternoon talking to people and going over each detail with each company - call it laziness, call it introversion, call it annoyance.I have been with State Farm for over 15 years - do long term customers typically have deeper discounts if all else is equal?I checked out the Wiki on auto insurance.  <response>: Long term customers who dont make repeated claims are likely getting overcharged. One of the most important points for insurance companies is history. When you first signed up, you had substantially less history and were significantly riskier than you are today. The insurance market is set up in a two pronged way. The first most important part is recruiting new customers, these people are new to the insurance market or otherwise looking for a new provider. This is most insurance companies main focus. Its why they have splashy well funded ad campaigns. Its worth more dollars to them to have their name out there constantly so when someone thinks maybe I should switch they already have half an idea of who theyll switch to. The other prong is retention. Insurance companies spend much less here because behavioral inertia keeps most people particularly those who dont file claims from switching. Theyre also frequently set up in ways that clearly benefit the insurer. Typically loyalty bonuses include vanishing deductibles and accident forgiveness for safe drivers, things which are inherently less valuable to a safe driver than their dollar numbers suggest. They bank on peoples laziness and fear of future expenses. Either have a broker go through and do the leg work or sit down with the websites of some of the major carriers. Maybe three. Its pretty much a guarantee that youll find switching cheaper for the same coverage. I recently switched after several years and found I could get umbrella coverage for slightly less than what I was paying for auto insurance at my previous insurer. 