We'd been with GEICO for our car and Travelers (through GEICO) for our house insurance for 20 years. I'd occasionally pull a comparison quote here or there, but never got one significantly lower. However... when DS got his driver's licence, our car insurance went up by almost $2k a year (!!). That motivated me to look for alternatives. Through policygenius, I got several quotes. In the end, we signed with Travelers directly for both home and auto, at a total annual savings of $2090.