ended up switching home owners and auto to State Farm.

Had been with USAA for 30 years (my FIL was active duty Airforce, then in the reserves many years ago). Marrying my wife included having USAA insurance. For the longest time, the only way I could have left USAA was to divorce my wife. For a long time I think they were the most cost effective option. I shopped around 10-12 years ago when our oldest two kids started driving and no-one could beat them, but they have really priced themselves out of the market recently.

Finally a few of her siblings defected and I saw an opening to shop around with the addition of two teenagers. I switched to State Farm and my bill stayed the same after adding the teenagers

We have 4 cars... 3 with comp/collision (they are a bit older), 4 drivers (two of which are 16-YO boys), and homeowners. Monthly bill is around $515.
- 2005 Chevy Silverado 1500HD (State farm put one son as primary on this vehicle, listed the other as secondary)
- 2008 Toyota Sequoia
- 2013 Audi S4
- 1976 International Scout II pick-up (liability only)

Note, just added a new Lexus GX 460 and kept the other 4 cars. Bill is going up by around $110/month. Might not be quite that much when we adjust mileage/usage on the Sequoia.

The nice thing about State Farm... they don't rate the teenagers on the most expensive car, and they will lump both boys on the same vehicle... which is really how they move about. In the past 9 months, there has only been 1 or 2 times where both of them were on the road in separate vehicles, by themselves, at the same time. They are usually together, in the same vehicle, with one of them driving.