I went from Mercury (25+ year customer) to Costco Ameriprise and my rate dropped by $500 or so (3 cars, 1 driver, $1179/6mo 100 comp, 500 coll). At my 6 month renewal, the rates stated the same. Will have to see if the rates jack up after one year. Best to just call around. I'll have to check out Wawanesa if I get a rate hike.