If you want to save money go with insurance agents. These guys are broker's and their employees represent themselves as agents but charge you broker's fee. They quoted me $1200.00 over the phone when i went in they sold me an insurance for $1800. When I cancelled in 2 days they still charged me the following month because they had my credit card on file.. They make you sign 10 papers at the end of your insurance purchase, make sure one of them is not brokers fee promise to pay you knew nothing about. If they have your credit card on file, run to your bank and put a hold on the company because they still charge you even after you have cancelled the insurance you purchased.