Isurance companies and profit maximization

    For years, i have been purchasing my car and homeowners insurance through the same multiple lines agency.  When my premiums started to increase, i would call the agent or representative to see what they could do to lower my rates which usually  meant moving my policy to a different insurer or increasing my deductibles.  But for the past 3-4 years that has been a losing proposition.  This time i decided to shop around.
      As it happened, I was driving my car listening to National Public Radio when i heard a segment about insurance companies use of profit maximization schemes.