. Your "rate" is meaningless without all the details. You provided none other than what you are paying. Your age, what Coverage, car model etc. My 2020 Kia went from $990 to $1500 1 year prepaid as of Dec 1, my 3rd year renewal with AARP Hartford. I do under 7000 miles a year but they say that doesn't really matter. I could have dropped it $300 and reduced a lot of coverages but just wasn't worth it.

I tried quoting with 5 other companies (inc my homeowners) and most will not even insure a NEW customer in FL. The ONE that did, State Farm, wanted $2500 for MUCH LESS coverage. Full coverage (500K, 250K, 250K UIM $500 ded collision, 5000 miles driven in a year with no tickets or accidents in probably 10 years). I even used their dumb iPhone app the first year. Have you renewed recenly? I found a few oddball ones that would insure but their coverage quote was absolute minimum coverage for $1300 and up.

If you're paying $750 NOW, when did you last renew and exactly what coverages do you have and on what vehicle? You may be in for a rude awakening.