next. If you want to always shop and switch every couple of years, you probably can save money. But if you bundle with homeowners' insurance, don't get caught in a situation where you can't get a new homeowners' policy because companies stop writing new policies in your state to people who always switch and you then get stuck way overpaying just to get something. Also, with USAA you probably got the equivalent of about $50/month back in December with their annual rebate.