It is not hard to find a good auto rate, providing you have perserverance. If you call captive companies, that could be a different story, however.
A captive company is one where an agent can only represent ONE carrier.
You really should turn to an independent insurance agent, who offers likely up to 10 or more companies. Visit a website such as Find an Independent Agent in Your Area
With one phone call you can have your rate compared against multiple companies by using an IA.
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