Most of what you say is good advice: shop around, bundle or not, etc. I categorically disagree with you when it comes to insurance companies paying out higher claims. All of the big players are making boatloads of money even without this behavior.
I ended up giving a call to my local State Farm agent. Yeah, I know big name brand and all that, but they came in almost 45% less on my home policy and the auto insurance was down 30+%. We’ll see what happens next year.