After reading what others are paying for Liability Insurance I decided to call around and see if I'm getting a decent rate. I came across a company that is willing to provide the exact amount of coverage, same deductables and everything for half the cost of my current insurance company. Here is the problem: My original agent is a ex-neighbor, friend and last season we maintained his yard. I gave my current agent (freind) from company #1 a call today to discuss why company #2 can offer me such good rates and he sorta went off the handle saying that there sould be a level of loyalty here and that if the roles were reversed he would of never called around to compare rates. He made me feel like scum for calling him on the isuue of lower rates. So.... should there be a level of loyalty between you and your providers when it comes to doing business or does it make more business sense to always look for the best deals around? My loyalty to company #1 will end up costing me $600 a year.