My insurance has been dropping every 6 months when it renews. It only drops about 20 or 25 bucks, but it is better than dropping all at once and overpaying for 5 or 6 years.
State Farm
0 tickets
$750/year withe multicar discount
27 years old and single
Being married will make a huge difference, and also check because most of the cheap rates you are seeing from State Farm have no medical payment on them, or that's the way mine is. If you have your own health insurance I wouldn't worry about that.