I just got my renewal for my next 6 month car insurance policy and discovered my rates have risen to the tune of around $80, though I have had no claims, tickets, points, or anything (never had any claims at all, or even been ticketed for parking, and I also have excellent credit, around 770, last I checked). I am with Allstate, and have been since I turned 16; I am now 23. Last year when I bought a new car, I left my parents' policy because the person we dealt with (not our regular agent, but someone at the 1-800 number -- it was late night) said I wouldn't pay any less by staying and I didn't want the hassle of "owing" my parents a check every six months. My coverage is bodily injury/ property $100,000/$300,000/$50,000. Uninsured motorist coverage is $100,000/$300,000. Deductible for collision/comprehensive is $1,000. I drive a 2004 Toyota Prius which I am financing (though it will be paid off in a year). Anyway, this time, Allstate said they made a mistake, I paid $646 for 12 months (that is, $646 every six months for two terms), but now must pay $720 because I wasn't supposed to be getting the multi-policy holder discount that I would have if I'd stayed with my parents. Which, okay, I guess, but why did it take so long for them to figure that out? Anyway, this got me looking for other options, and as I see it I have three. Stay with Allstate, which has helped us out in the past but also threatened to cancel after we had a few claims over a number of years (on my parent's policy). I could switch to Progressive (which my brother uses) and pay $620 for the same coverage. The downside here is, of course, that I don't really know much about Progressive, other than it is a well-known company. The final option is esurance.com, which, for the same coverage, would cost only $405, or $370 if paid in full (according to my on-line quote). That means I could save $600/ year! I searched the net and found nothing alarming about the company, but the fact that it doesn't have local offices made me question how they handle claims. It all seems to be over the phone, and I wonder how good they are at defending you without jacking up the rates. I know it is a gamble, because chances are good based on the fact that I live in a rural area and drive like 9 miles to work that I won't be in an accident, but you never know. So I am looking for input. Go with esurance, or stick with a "name" like Progressive or Allstate? I'm sure someone out there has some thoughts. Thanks.