I'm in the process of getting auto insurance in PA, since Progressive is discontinuing my policy at the end of the month because I changed states. Apparently my policy is through an independent agent in Virginia, and they won't keep me if I move to Pennsylvania. However, Progressive's web site (which they push relentlessly) will not give me a quote (after having to look up 10 zillion things and enter them) because I'm already with Progressive, and hence have to use their website to change my options. None of the options includes getting a new policy in another state. I'm not feeling kindly inclined towards Progressive right now, although I am letting a local agent give me another quote.
The good news in any case is that the quotes I have so far (from Allstate and GEICO) are way, way below my rate in Virginia. Like less than half. I don't know why. As far as I can tell, I'm getting the same coverage, although perhaps it's affected by the fact that I'm not really commuting, since I live across the street from where I work now. Maybe Pennsylvania is just cheaper.
I'm also looking into flood insurance, oddly enough. I don't think it's really a major concern, but another professor who lives in this complex told me they were evacuated because of a flood concern once. (There had been tons of rain from a big hurricane season, and there was concern the dam at the lake would break and send water down the stream behind the apartment.) Nothing happened, but it did make me wonder. Especially since I'm shopping for new furniture now. I can just see spending a few thousand on a new sofa and finding it floating in my living room. (The same professor also told me they had been evacuated once for fire, but I knew about that before I moved here; the fire actually burned down my unit a few years back, which is why most of my stuff is new. They fixed the problem (wiring) so that shouldn't be a concern, although admittedly the sequence of fire and flood just does not seem an auspicious omen for one's domicile.)