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IT SEEMS THAT AUTO ISURANCE RATES ARE A VERY INDIVIDUAL ITEM. SOME FOLKS SAVE MONEY BY GOING TO GEICO [ FIND AN AGENT]? SOME SWITCH TO STATE FARM AND SAVE MONEY? LOTS OF AGENTS AND SOME GO TO HARTFORD TO SAVE. I HEARD THAT THEY ARE QUICK TO DROP YOU, AND RAISE RATES. I HAVE STATE FARM INCLUDING HOMEOWNERS, AND DONT WANT TO CHANGE ONLY TO BE SORRY LATER AND HAVE TO CHANGE AGAIN. THIS RANKS NO 2 IN A SENIORS DLIMMA AFTER SOCIAL SECURITY AND HEALTH INSURANCE. WHAT COLA INCREASE?