Spotbiltxo is spot on -- make sure you understand the coverages you have, need and can combine (i.e., with the homeowners, if you have separate policies) and start shopping around. The more you know about the insurance process and what's actually required (as well as a realistic understanding of your own driving record), you can be better at comparing. Not everyone gets a better deal by combining. I couldn't, and I only discovered that by knowing what I was shopping for and doing level comparisons. My local State Farm agent (who I have one policy with) even reviewed my whole portfolio and said he couldn't do better than what I had with separate policies -- so again, the best advice is what's been stated above -- You *have* to shop around and do your own comparisons.
The insurance companies don't provide the same information in the same way on their quotes -- by design! They don't want you to compare/shop around. But if you understand the process, you can do your own translation and actually do a level comparison for yourself (as I, Alvin, Tiny and any numbers of others here have done, and will do again). But you have to do your homework first.
And anyone who still believes that Loyalty means *anything* to an insurance company is woefully naive.
