been with usaa for over 35 years. everytime I try to price shop, they tell me, 'oh, we can't touch that rate' so I keep staying. have always had great service with them as well.
for the bikes though, when I bought my first bike in 2002, I went with progressive through hd insurance. if I get a price increase, I get pissed and go rate shopping. i'm still with them if that tells you anything. and I have to admit, they've always treated me right as well.
I did do a rate check between progressive direct, and progressive through hd. surprisingly enough, through hd was cheaper. go figure that one out.
the important thing is to make sure that you are comparing apples to apples. don't let one company try to snowball you by saying you can save x dollars, when, in order to get that savings, they are cutting your accessory coverage, raising your deductible, etc. I've had more than one company try that with me.
I understand the concept of reality, but find it too confining for a way of life.
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