My auto insurance has been with State Farm for close to 30 years, and we compare often. So far, they've remained our best cost, but should that change I'll make a switch in a heart beat. I have no loyalty to them, as I know they have none to me! Business is business!
I changed my Home Owners several years back, even with the combined rate, I still got a better deal from another company. I'd rather have the difference in cost in my pocket than some insurance companies!
Folks do have to be vigilant & aware of what's going on with any financial related dealings or someone will try to take advantage of you! Sad, but true!
The company I work for shops & evaluates insurances every year, and it's not a bad idea for the rest of us!