My insurance gets cheaper if I just let it auto-renew. My company gives a loyalty discount that, I think, increases by 2-5% a year or so up to maybe 15%. Of course, I also get one accident forgiven (no rate increase for a fender bender), a safe driver discount (tell 'em I make everyone wear a seatbelt or car seat, which I do), and a multi-policy discount for having my house insured with them.

We've a company over here, Geico, that advertises it can save you up to 15% on your car insurance...nice try, but with Allstate I pay less than half of what I did with Geico. I'd hate to think of paying more than Geico!