Exactly this. Also worth noting that some insurers weigh regional risks differently—Farm Bureau might be more sensitive to agricultural or rural issue...

That's a solid point, but I'd add a little nuance here. If your car's value is borderline—say, a few thousand bucks—dropping collision coverage might ...

That's true, but honestly, I've found the process isn't always as smooth as advertised. Last time I tried lifting mine temporarily, one bureau's site ...

I see your point about loyalty feeling like it should matter more, but honestly, from what I've seen, loyalty alone rarely guarantees better service. ...