One of my goals this week was to get some insurance quotes for homeowners and auto. I currently have Allstate, been with them forever, but in CA Allstate has filed for a significant rate increase while all the other major insurers have filed for significant rate decreases.

My homeowners renews 3/1. I got notice of the new premium today... its 5% higher than last year and I have never filed a claim.

I called two different ins cos. today and got one quote back. Wouldn't you know it, it's more than my exisitng. But their quote doesn't include the auto rate decrease effective in March nor the h/o rate decrease effective in April, so the agent will call me back with hopefully better numbers next month.

I have multi-policy, good driver, distinguished driver and renewal discounts with Allstate. I hope that the other ins cos. can beat my existing premiums even with all my discounts.

Farmers Ins. is still working on my quote. I'm more hopeful with them as they are the ones with the largest rate decreases.

Hopefully I can find lower premiums as I'm trying to find ways to cut our expenses.