I went with State Farm 10 years ago as they were so cheap with the new Busa. Car and homeowner's were on par with my previous company so I was happy. As the years go by, their rates are getting stupid. Part of what pisses me off is they keep increasing the rebuild value of my property which of course increases my premium. Agent insisted it had to be X amount because that's what their calculator states and I have no choice because of a mortgage. Felt nice to explain to him that I don't have a mortgage and I'll insure MY house for whatever I want. Had him knock $20,000 off the rebuild value and he wasn't too happy.
The previous company I had sends me a quote every year for my home and cars but Busa excluded. I can't remember the insurer they use, but the rates are damn near 1/2 of State Farm with far better coverage. The Busa is nearing 10 years old with 25K miles so it's not like I really need full coverage anymore. However I keep thinking of a new bike and then I'd be right back where I was 10 years ago with State Farm being dirt cheap on the bike insurance.
There's also the whole teaser rate thing that I've played in the past. That new inexpensive company can be just as expensive within a year or two. Actually the rates the previous company used to try to get me to come back were a few hundred LESS than when I was with them.
Lastly, the company I work for does a lot of work with a contractor who does complete home rebuilds after disasters, fires and floods. They claim State Farm is flat out the best...they supposedly cover everything with no hassles.
Not sure what I'll do in April when it comes due.