FYI for everyone reading this thread: Auto insurance is, for the most part, very easy to get comparison quotes for apples-to-apples shopping. Line the numbers up, see what the resulting premiums are, then make a decision from there based on what's important to you (price and customer service, etc.)
Home insurance: Please understand that it's not just about the amounts of coverage, but how losses are settled that are extremely important to understand. For example, when we purchased our home 6 months ago, I received quotes as low as $700/yr up to $3500/yr. All the amounts of coverage "looked" similar, but the lowest quotes were for policies that settled on Actual Cash Value (ACV) basis, as opposed to the more robust Replacement Cost Coverage basis (RCC).
ACV takes into account depreciation, whereas RCC doesn't, since RCC pays whatever is needed to make you whole again at today's prices. Let's say a hailstorm comes and damages your roof. Let's say you have a 30 year roof that's 15 years old, and costs $10,000 to completely replace. With ACV, you'll be paid $5,000 for the loss, minus your deductible. With RCC, you'll be paid $10,000 minus your deductible.
I'm not advocating for RCC over ACV, but I'm advocating that you research and understand what you were quoted, so you're not surprised should a claim occur.
Source: used to be a licensed agent