There are many different components that make up your premium. To name a few: age, marital status, credit score, how many claims in your area, garaging location, multi-policy account, components of house, age of house, recent storms that have wiped out many insurance profits over the last three years. So, there is not one person you can compare yourself to. I would defintely look at an insurance companies financials when deciding who to go with. You don't want a company that may go insolvent, if a big disaster were to wipe out a whole town.
On another note, something that may help premiums for customers this winter is recently, the Texas State Legislature passed a law restricting insurersâ€™ ability to surcharge for claims. The law states that, "An insurer may assess a premium surcharge at the time an insurance policy is renewed if the insured has filed two or more claims in the preceding three policy years." This means that insurance companies can no longer apply a claim surcharge for the first loss on a property policy. This is great news! This means that some insureds, will be getting a decrease in their premiums if they only have one property claim. Hope this helps