I personal saved $820.00 per year on shopping around for Auto and Homeowners Insurance. The best way shop online and find an agent that represents multiple companies.
Each insurance company has a target market based on risk and credit score. So when you shop around for insurance will give you better chance to find the insurance company that wants your risk and credit score combination and will price that ratio at a better price for you. In a nut shell, if you take your perfect driving record and good credit score to a high-risk insurer, they will tend to price you higher than an insurance company that wants lower risk customers.
So how do I get the cheapest rate for auto, home, or renters insurance? The two links are a good place to start. Try to get as many quotes from as many insurers as possible. So insurance agents that represent many insurance companies tend to be a good place to start.