These companies are often large and can afford to lose a few clients to the cheaper company, so they set their prices at their own will.
Then they allow their customer loyalty to allow them to ride along making the most profit on insurance.
Instead of the well known companies, find an independent insurance agent, either locally or on line.
The independent agent represents many of the lesser known insurance companies.
Many of these companies offer insurance at cheaper prices than the name brand companies.
Many of the cheap insurance companies may have a slightly lower rating than some of the more expensive companies.
This can actually work to your advantage.
Part of the rating system is based on how much in reserve the insurance company has.
Since cheap insurance companies have lower profits, they may not have as much capitol in reserve so they are rated lower.
Here is something else you need to know.
Your state law requiring that you have insurance on your vehicle does not care about the rating of the insurance or what you pay for insurance.
When the state police pulls you over and asks for insurance, all he is looking for is the card that says you have insurance.
When money for insurance is tight, the best thing to do is find a cheap insurance company.
It is important that you keep continual coverage of insurance in order to keep your rates down.
If you have a gap of over thirty days, you may pay more for insurance.
In addition, remember to drive safely and obey the laws of your state.
Moving violations and accidents are the number one reason that people have to pay more for insurance.
Even with a cheap insurance company, you will pay more if you have had an accident or ticket.