yea, but I also don't buy it, no pun intended.

This year I'm shopping around, not gonna let Farmer's give me the pandemic excuse they gave me last year.

I believe they increased my rates by 30% last year, with no incidents except a windshield chip. It just doesn't make sense for your rates to go up so much, when your autos are getting older (if you tend to keep them and not lease all the time).

Costco's 3rd party looks promising for Home & Auto.