Um..em...Hi, C,

Thanks for the kind offer.
When we bought our house, we got homeowner insurance from Farmers. Their premium was low which was just what we needed at closing. But after two months, they decided upon a post inspection that they would cancle our policy soon because they wouldn't accept our roofing. I was just in the process of consolidating our auto policies into Farmers. :x
We learned from Brad and reading on the Internet that some insurance companies have better reputation than others. Since we are doing this all over again (home and auto), I want to be careful with our choice. Now, I have four quotes from 1) State Farm, 2) CSAA, 3) Pacific Property and Casualty Company (quoted by the same agent who does insurance for our neighbor and La Honda Guild), and 4) Liberty Mutual (Oracle has group discount) -- in the descending order of totol premium (home+auto), with a difference of ~$2000/year between the highest and lowest. I'm lost among choices.
-mudworm