In our state it's - MetLife for car insurance - checked and it was way higher than what we were paying. Met Life uses Liberty Mutual I believe. I would never use Liberty Mutual ever. If you or your husband or at least 50 - trying signing up for AARP. They have better discounts than UPS - even for shipping by UPS and the car insurance is locked in a year instead of 6 months. Makes it easier to budget. Geico is good also. You will be amazed how lopsided the quotes are when you get them back. Just amazing. Maybe hubby could take time to show you the discount page on UPSers.com - the only one I saw worthwhile was the phone one - but we use a different carrier. We haven't checked the discount UPSer page for a few years after finding such a tiny discount for shipping a package by UPS - it was like 7%. Oh well good luck and good hunting.