Short version: I plan on moving states in six or so month which will trigger a change in insurance (new house, new state to insure driving).
I received my renewal offers and they have stiff increases, 10-20% on all three policies. I can shop around and probably lower this, but that may hurt me when I go to get new insurance in the next state.
Its probably worth $300 during the six month period to switch, but will cost me hours of getting quotes and talking to agents