Local
For higher-value newer construction, Openly and Travelers typically price best. For bundled home and auto, Safeco or Nationwide often win. For auto alone with a clean record, Progressive or Safeco are usually competitive. For non-standard risks (older roofs, prior claims), Stillwater fills the gap. The honest answer is: it depends on your specific profile. That's why we run three to five carrier quotes on every placement rather than defaulting to one.
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