K H Associates

I've been with K H Associates fro 8 1/2 years. I got a homeowners/auto insurance policy through them with The Hartford insurance company. I have a sense that at the time, the rates I got were reasonably competitive. I have stuck with them, obediently paying year after year even though it was a huge chunk of my income. I was vaguely aware that I should try to find time to compare the rates I am paying against other insurance companies, but I was also busy and sort of trusting that they were within reason. However, I just refinanced my home mortgage and the person who was working with me to do this was shocked at how much I was paying, which encouraged me to finally find the time to comparison shop. To make a long story short, as embarrassing as this is, I've been paying over $2000/yr more per year for auto insurance than anyone else is quoting (Liberty Mutual, Geico, Progressive, Safeco) and over $1000/yr more for homeowners. That's over $3000/yr more than I should be paying -- for basically the same policies. I've been with them for 8 1/2 years! How long have I been overpaying like that? How many trips around the world does that make? I am not certain what an insurance broker is supposed to do, but I would think that part of that was to review my policy periodically and confirm it is competitive and it is pretty obvious to me that K H Associates hasn't been doing that. If the only thing they do is set up the initial policy, just do it yourself. I just found several today and it is pretty easy to do your own comparison shopping online. I feel betrayed. Of course, I feel like The Hartford has been screwing me, too. "Never give a [good customer] an even break." I can't help but think they are equating "good customer" with "sucker."