I have insured my home and autos with this company, E & E Insurance, JC Penny Insurance and Horace Mann / Teacher's Insurance, for almost 40 years. I had always been satisfied with the rates and service they provided until the last several years. I still cannot complain about the service but as their rates increased, I began to compare my policy with other companies. After much research, I finally left Horace Mann. My new insurer has at least as good or better coverages for much less money. Annual combined home and auto premium with Teacher's Insurance was $2983. New annual premium with a very well-known and highly rated company for as good or better coverage is $1879. That is a savings of $1104!!!!!