<prompt> Human: When we bought our house about 4-5 years ago, got a pretty good package rate on auto and home through one of the major insurance agencies. After about 2 years, they started going up some, and the last 2 years has been really crazy, especially with the auto insurance. About a year ago, I called and got in moved to a local agent, specifically told them I thought it was nuts that I have no claims, no accidentstickets, yet my policy is increasing every 6 months. She got it back down, and then two months later when it renewed, it went up again. Fast forward to today, I go look at my renewal, and it jumped up about 200. I went shopping, and went with Geico, who cut my rate way down. When I went to cancel my auto with my original insurer, they informed me it would cause my homeowners to go up by 321 no multiline. So, give Geico another call, and now my homeowners is there, at 512 cheaper than it was with the original company, and that didnt even include the 321 they were going to hit me with. Plus once the policy goes into effect, the auto will drop, and wife and I are taking an online defensive driving course which will lower it another 75 over 6 months.I had heard that insurance companies if they saw where you would just stay with one company for a long time, they would just keep going up on your rates if they thought they could keep you no matter what. If they knew youd hop around or leave, they wouldnt do it. Guess looking at me they thought Id just take it. So dont be afraid to go shop your policies around every year or so, see if you are being screwed, cause you might be.  <response>: Got to shop it every couple of years. Loyalty means nothing to these companies and you reap no benefit. 