We've also switched to higher deductibles since we have only ever made claims when it was a major accident. When I had a chip in my windshield, my agent didn't even know that they covered that "for free". I had to tell her, so I guess it's not widely know. It makes sense though -- it is in their best interest to pay for chip repair without any reason for the customer to avoid it (deductible) since it can avoid a costly windshield replacement if that chip enlarges or if there are greater injuries in an accident due to the weaker windshield.

I haven't seen any major rate increases on our car insurance, but our umbrella policy premiums went 4x this year (and we switched companies too). We're with Farmers for nearly everything now, but comparing rates with other agencies is on my to do list in case anyone has done the homework and has a recommendation.