[jhv48]

Originally Posted by 4RE KLR

There could be many reasons the quote is different.

If your original quote (and policy) were issued with a past history of a claim (of any kind) or a ticket (even if it was five years ago) will show up and your rates will be in accordance with those issues.

If you have moved from one county to another, and did not ask for a reduction in premium (if it is a lower rated county) you will not get it.

The problem here is not so much the Insurance Company, as it is your agent. It is his/her job to contact you EVERY YEAR to go over your policy, to run new history, credit and MVR reports to see if the old tickets have fallen off, or if they have been off long enough to no longer matter, to check your new county rates, to check if you have maintained your car or added anything (safety), to check if you have gone to any driver training schools, to check to see if your policy still adequately covers your needs.

If you have a problem, like the one stated above, you need a new agent. If you shop insurance for the absolute cheapest price you can find anywhere in the country, that is exactly what you will get, the most piss poor service in the country. Thank Goodness you didn't have a loss while you were covered with the no-service agent. Who would help you if the adjuster didn't have a clue about your particular car?

Guys, you get what you pay for!

Do you go to the cheapest Doctor? Cheapest lawyer? Buy the cheapest clothes or furniture? Then why would you gamble with your families financial security by going with the cheapest insurance company?

I totally agree with the above. If you pay peanuts, you get monkeys!