Your best bet is to get quotes from a broker...i.e., someone who can quote rates from multiple insurance carriers. A captive agent (State Farm, Allstate, etc.) can generally only write policies from their company. There are way too many variables involved, making generic comparisons of what you pay versus the guy across town meaningless. Keep in mind that a fairly significant factor in rating an insurance policy is your FICO score. While it may not seem fair, the fact remains that your credit score has a lot to do with what you pay for insurance.
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