I have been with Allstate ever since I bought my house 12 years ago, and could put both car and house together. Was with Farmers, but when they threatened to not insure in Texas because of claims, I got out. I think it is all the agent represetative/owner. I use the Vogel agency in Sherman Texas and they are the greatest and when we go over my policy and if they can fine a way to lower the price, they do. You too have to be active and have a good relationship with the agent. It make all the difference. We have a great relationship and have always done a great job for my poicy is $341 for 6 months for full coverage on car and house is $701 for $141,000 on my home. The Vogel agency is the greatest and so are the people who work there.
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I used Allstate for two years. I had two vehicles with them (both SUVS). I also had a landlord and home policy in addition to the cars. I received the so-called, "multi-policy" discount. I was paying about $1,000/six months, which I figured was fair for two 4x4s with full coverage. I just recently switched to Gieco and the same exactly coverage was only $350/six months! WOW! Good bye Allstate, so long.