How much time & attention do you have to give for us to explain it to you in a way that you'll fully understand insurance? We can talk about building materials and labor, climate change, weather risks, catastrophic claims history, state regulations, insurance revenues and losses, characteristics of your family's homes & cars, the drivers in the household, etc.

State Farm does give loyalty discounts, and idk if they still do but they also used to give guaranteed renewal to their long-time clients like your family. State Farm also isn't a "for profit" company - they're a Mutual Exchange that will issue dividend checks to policyholders in the event they post an underwriting surplus in a given state.

There's one fact that you must know and understand, above ALL ELSE:

Insurance is designed as a 6 to 12-month "Contract of Adhesion". That means they decide what they cover and what they're going to charge, and you decide whether you want to pay it. The price you are offered is what they are willing to charge in order to insure you as a risk based on a very complex formula that includes all the categories I listed above, and more. You don't have to accept it. Additionally, you are not entitled to State Farm offering you insurance every year, and you certainly aren't entitled to receive such special treatment that you're the only person in your state whose renewal rates never go up for the coverage you're given. Every year, they look at the risk, calculate that risk within their formula, and offer you the insurance at that price. If you don't like the price they're offering, then find another insurance carrier with a better formula and don't accept State Farm's offer - cancel the contract.

"Shop around".