I called a used car dealer that I tend to like and asked for a place to get better rates on my insurance policies. He referred me to a brick & mortar place 25 miles from here, so I called them today and they're nice people. I talked on the phone with them for about an hour and they offer me insurance from Erie Insurance Co. He said they will insure both my car and house, and claims they will not insure just anyone, and says they only deal in 13 US states. And the policies he recommends have better coverage for $69 a year lower cost.
I don't think I'm going to get insurance for much less than $514 a year anywhere unless I just get basic liability.
Both of his policies would cost me $1032 a year which saves me $69 over Progressive / Nationwide plus has better coverage. I will get $0 deductible glass coverage, and instead of $50,000 / $100,000 I get $250,000. The deductible lowers by $100 a month if I have no claims, up to $0 deductible. Or I could get the same auto coverage I have now for $44 less per year than Progressive, plus it contains better coverage and less deductibles. He thinks I should get the $250k in case I hit someone with a $50k truck and they tried to sue me. But keep in mind I only drive 4k miles a year, but most of it around town going to buy food.
The home insurance covers theft with a $0 deductible and will cover things like a new heat pump for a $1000 deductible. Also they will pay more to replace my house if need be, about $25k more than Progressive.
I doubt Progressive offers this much, and if they do, they didn't make me aware of it.
He was very enthusiastic about why I should get these policies, and it seemed good to talk to him about this.
It made me realize that I may need this better coverage, even if it happened to cost more, but it doesn't.