I have Allstate. I use it for many reasons among them is they give a great multiple policy discount. I was told they were high for the homeowners, but when I checked with other companies, only one came close for the coverage I have. The rest were higher and it would have raised my auto because of loosing a policy in the discount. I cannot complain. My agent is local and not a broker, he only sells Allstate. I have been with his office (his father first) for @ 20yrs. Anytime I have a problem, like when a tree crashed into the house, they are right there.
I did check for better deals on auto at one time. I would have had to sacrifice alot of service to save a few bucks. It wasn't worth it for me.