We have always paid for the year for all of the policies. It went of $800 this year for all three with no claims at all. We tried to switch to State Farm but they came in $800 higher on the house but $300 lower on the car. Go figure!
We will stick with Auto Owners I guess. But it is still so high! We changed a few things and got it $200 cheaper. But we are paying for months this year instead of the year so we will lost that discount.
It is so maddening because we haven't had claims or tickets. Knock and wood!