The best way to assure that your rates remain competitive is to work with an independent insurance agency, like i80 Insurance. However, the rate you pay is not as important as having the RIGHT coverage.
1. Find 3-5 independent insurance agencies near you
2. Call and interview them, ask them questions like "what makes you different than the masses?" and "what services and value to you bring to the table"
3. Once you find someone that you are comfortable with, make an appointment, and ask them to provide you with a need analysis and what policies and coverages you need in place.