Sometimes insurance companies (i.e. Geico, Progressive) that insure you over the phone will give you an INITIAL quote, which sounds pretty good. But then they'll look up your record and that quote will change. So be sure the prices you're getting are the exact price you're paying when you sign on that dotted line. Also see http://www.oneshopinsurance.com to check current insurance companies price, another issue that has come up with insurance is that they will price you a quote and everything will go thru at a great rate. THEN they will ask for proof of prior insurance and look up your record etc, then 2 months later your rates will go up.