Remember, too, that companies that score similarly on points 1-4 above may have dramatically different pricing models that result in different premiums for the same driver. Of particular relevance is your credit score. You may want to consider checking your score to determine whether you are in "A" credit territory (typically above 700, though insurance companies will stress that they do NOT rate on credit but rather on your "insurance score" which they typically calculate internally but is heavily derived from your credit score).

In addition, you may find that, depending on how long you've been with your current carrier, renewal discounts may make it tough to switch.

PS. I know that State Farm, Allstate and Nationwide all take cc, but typically only for full payment, which is typically 6 mos. coverage.