so another sign that we have the right insurance company (which yes is a rarely held sentiment) - got a letter in the mail from them about a change of address form we recently filled out and the adjustment they would be making as a result.
That adjustment - they are lowering our premiums.
(without us asking or doing anything complicated)
AAA Insurance if you are wondering we've had them for years and been surprised multiple times by how good they have been (when we've had claims included)