Because they don't use agents and have centralized operations, Wawanesa has the cheapest rates I have seen in California for both auto and home. I have had their car insurance since 1976 and their home insurance since they day they offered it. I have had to make only one claim on each in that time and it was easy and straightforward. The only drawback is the regions they cover are limited, as are the types of homeowners policies (for example, the last time I checked they didn't offer condo owners). If you are in their service area and have a clean driving record you should give them a serious look.