I live in Philadelphia, where we have ridiculously high rates as compared to the rest of Pennsylvania. Oddly, my neighborhood now earns "suburban" rates even though it's located in the City - but only through Allstate. When we moved here, we shopped around and saved over $500/year by switching from USAA. They offer discounts for all sorts of things including safe driving records and bundled policies. Our agent is fabulous - we're very pleased with the coverage.