(Wall of text, a little math)
I just saved $150/month by switching insurance companies.
Background story: I started a policy in Feb. this year that covers my house and my truck(full coverage). The set price was $210/month and it covered both. That equates to $60 for the house, $150 for the truck. I didn't think this was an unreasonable price considering I'm 22 and a new homeowner.
In March my insurance company added $60/month because 'we didn't know you were 22.'
Apparently my personal information in my credit report didn't cover this. I let it slide.So Now my bill is at $270/month. Extra charge of $15 to set up auto-withdraw.
In April I was charged a late payment fee ($50)because they failed to set up my automatic withdraw. I figured I was partly to blame for not checking up on it in time. BTW, it took them until month 5 of my policy to finally set it up.
Somehow my bill is now at $290.00-$297.00/month depending on if the month has 30 or 31 days in it.
I called a different company today just to see what quote I could get. They told me $112 for my truck, and $44 for my house. Total cost of $156/month. Exact same limits. Lower deductibles.
I have a perfectly clean driving record(even took defensive driving). My house has concrete walls and a steel frame roof among other things.
Don't really have a question. More of a rant/celebration if you will.