Believe it or not saving $150 is, more times than not, better.   Yesterday I had a morning and an afternoon appointment. In the morning the person saved $600 by improving her auto and home coverage and switching companies.  In the afternoon a different woman was  ready to save $150 by making a similar switch.  So is one better?

Yes, I much prefer the $150.  I was able to improve coverage and lower this persons rate as well.  The difference here is her rate was really pretty competitive which I much prefer to see.  So despite all the commercials, letters and other advertisements bragging about saving $480 or more this just means you did not switch your insurance soon enough and likely missed a change in rates.  So in summary, review your policies every year to avoid a large shift.