[LogicalApex]

I’m in Upstate NY on USAA.

My advice is shop around with all of the insurance companies you’re comfortable doing business with. Even if you really prefer Liberty Mutual for one reason or another. I would swap to your #2 or #3 pick if they are cheaper then come back to Liberty Mutual if their rates improve at renewal time.

Insurance is going up all over the place for a lot of reasons, but each company has different formulas and etc they use to keep their risk pool in line. So you can get very different results shopping around. Even in a market as painful as this one.

Also, make sure your “estimated mileage” is realistic too. Look at your last year of driving and make sure that number is as low as it should be. That can cause wild swings in your rates and you may open yourself up to a low mileage discount.