[HoosierDaddy]

One explanation given to me years ago is that Insurance companies will hold the line on prices in order to entice business away from other companies then raise rates once they have made inroads into new markets. Once I decided that there was no benefit to me being loyal to a company I started "shopping" different companies every 3-5 years. Now needing insurance on my Bed and Breakfast/restaurant has limited the choices but Auto-Owners has been very competitive and with very good service so they are getting all of my P and C business.