[lip277]

I have a local independent agent and he has access to MANY companies.
Each year, on his own, he runs my numbers through his system and lets me know if anything is of interest.

A few years back he also got wind of a pretty significant rate increase my (then) carrier was going to do. He found me a good alternative and I switched accordingly.

Instead of playing with each company yourself - I favor getting someone to do it for you.