I'm just curious. After I moved to CA, my rates went up, so I shopped around and ended up with 21st Century. Recently I received my renewal and -- for no rational reason (no tickets, accidents, claims or changes on my end of any kind) my rates increased almost 20%. (Paperwork with my renewal notice indicated they had recently restructured their rating schema.)
A co-worker who also had 21st went over to Costco's Ameriprize program a few months ago, indicating that he saved a decent chunk of money. My quote from them was higher than 21st.
So, perhaps lured somewhat by their slick ad campaign, I visited Progressive.com and it turned out their rate was even higher. However, I used their "compare" feature (which required providing more detailed information, no big deal) which indicated that Liberty Mutual would be the cheapest.
A visit to LM's website and a quick call with a great representative (with a delightful South Carolina drawl) and I now have slightly better coverage and a rate that is less than I was paying 21st Century before the rate increase (and a proof of insurance card -- required by CA for those of you not familiar with the concept -- by e-mail). In addition, it's an annual rate so I don't have to worry about 6-month renewals (and the concomitant possibility of rate increases). They offered to carry it on a monthly basis for an extra $20 and I was tempted, but figured I'd just charge it all, get the FF miles, and then pay the bill when it comes in. (All of this is not to suggest you'd get a better rate through LM; they offered a particular discount because I qualify as a "highly educated professional"; otherwise they'd have been right in line with my current 21st Century rate hike.)
All in all I'm happy, but I wish I'd done the rate comparison previously. I've heard in the past that insurance companies tend to bump rates mildly from time to time because most people won't shop around, and I guess that's true. It's always easier to stay on the same horse, as it were. You get bucked off, kicked and nipped often enough, though, and then you look around. As easy as the progressive.com thing is I'd suggest you might consider using it from time to time just to see if you can save some bucks. And for those of you lucky enough to still be living under your parents' roof as an add-on to their policy, it will give you some appreciation of what you face when going it on your own.
So who are you all with?