I have my producer license, so I can give insurance reviews as part of my practice. My wife sells State Farm.
The multiple line discount is a real thing and effects your rates a lot.
There a lot of factors in setting your rates, auto and home. Do you have value or replacement on the house? What is your geo location, home and car? Credit score? Age? Teen/20s drivers in the household? Did you coordinate or waive medical? DUI/at fault accidents/tickets? There is also a loss experience on the type of vehicle (exact type using the VIN, not just a 2017 chevy, but that exact package). Do you have comp coverage? What are your deductibles? Did you buy broad? What limits are you running with? How far do you drive? Did you lie to the company how far you drive (they purchase your mileage from the oil change places so they know how far you really drive). Did you do the safe driving tracker (the little gizmo that tracks your driving style)? If you have teens/early 20s kids, did you submit their A/B grades for the good kids discount?
Look at all that, pick what coverage levels you really want, and shop that easily with all the insurers, once you assemble it all.
We do, and this year AAA even beat out USAA for us.