Last year I switched from Farmers Insurance to Liberty Mutual for my auto and home owners insurance, because LM quoted me much better rates than Farmers. This year I discovered that Liberty had raised my rates for no reason at all. I called them to ask about it. They told me that even though I did not have any accidents or tickets (I have an absolutely clean driving record- touch wood) during that year, they raised the rates because in the future I may have them, and also to take care of inflation. Have anyone ever heard of insurance rates increase based on what may happen in the future? Also the excuse about compensating for inflation did not make sense because Farmers never did that. LM also raised the insurance rates on my home, again the excuse was inflation. I told them right away that I would be looking for a different insurance and that did not seem to bother their customer service rep that I talked to. Now I am going to take my time to find the best possible insurance that I can stay with. It's no fun doing this research every few years. I am going to look at Costco, Geiko (two of my coworkers have insurance with these), State Farm. My brother has insurance with All State, but last year when I talked to them, their rates were even higher than Farmers. With Farmers at least I used to get good customer service. I had the same agent for 15 years. With Liberty there is no assigned agent, and no fixed contact person that I feel comfortable with. Anyone has any recommendations for insurance companies that you have dealt with? Any companies that I should avoid? Thanks in advance.