Just last year State Farm jacked up my premium from $1286 to $1574 a year, so I'm shopping for some new insurance. I know someone that sells Farmers insurance, so I had him give me a quote, but he said he wouldn't be able to save me very much over State Farm. But Nationwide Allied seems to be a whole different ballgame. I got a quote last year from the Reed Agency in Austin by email and it was for $1149 a year, and the coverages were almost identical to my current State Farm coverage. I just had the Reed Agency give me an updated quote since I was really ready to switch, and now the quote is just $859 a year with the Nationwide Allied coverage. why is it so much cheaper? is there something wrong with them compared to Farmers or State Farm??