OK.. I CANNOT say where I work. But I work in the world of insurance INFORMATION:
Let me illuminate a few matters. There are factors that affect your insurance rates out side of age, driving record, an cost of vehicle.
Such as:
Demographics for your age I.E. males under the age of 30 get keelhauled on rates for EVERYTHING.
Are you in college
male or female
You have kids
Are they driving age
How many a miles a day do you drive
What county or zip code do you drive in
Have you had formal driver training
Whats your credit rating ( Yes, believe it!)
Are you Married?
Do you own or rent
Do you have a lot bad weather in your area?
D you garage the car
Is it parked at your house
Is it parked on the street
How costly are replacement parts
The ratio of the cars that are like yours versus the number of claims that they are involved in
How often is the car that you own stolen or vandalized
These are the major categories of 'adjustment factors' that affect what you are going to pay for your insurance.
These '15 minute car insurance' companies are often a sucky deal.
Take it from me, go see your insurance agent face to face and sit down with them and go over the 'Personal Auto Policy' ' line of business' in your policy with a fine toothed comb. Tell them EXACTLY what you are about and tell them that you WANT ( and you REALLY do) a long term relationship with them but you REALLY need to get the best deal that you can. ASK ABOUT ANY DISCOUNTS.
When your policy comes up for renewal find out if there is a renewal discount or a new policy discount and take advantage of it.
Also there is a nifty little form, in the event of a crash, called a Diminished Value Statement.. but later on that... OR you guys think I ought to make a whole separate thread for all this insurance jazz?