I recently got a quote from Foremost Ins.. I did increase coverage levels, for the quote, a tad but at > twice the price for Geico coverage, I'll stay with the gecko for another year.
 
Yes, rates do vary a lot based on points you bring up........

Case in point: I have the dreaded Progressive Insurance, max limit, full coverage and pay $197/yr on the RIII. I made a claim back in September which involved a total loss for my Venture. They were quick and efficient in the settlement.

I too had a crash and suffered a total loss on my BMW in September 06, payment was swift and a year later and Progressive has not cancled me. Full coveage on the Roc is about 300 clams, can't complain here:)
 
I pay $400 a year for my 02 TBA from State Farm. I think I'm getting screwed.:eek:
 
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