Hi Bubliegrl, I understand your concern about the change in premium and I would like to have a specialist take a look into this. Once reviewed, they will reach out to you. Thank you! -Marisa
The quote probably didn't include something on a driver or vehicle record that wasn't discovered until underwriting. This isn't unheard of.
That said, insurance is a product just like gas or tomatoes. Sure, you'll get better gas at a name brand station and better tomatoes at the farm stand, but insurance is pretty much the same from every company. Insurance companies are rated based on financial strength by a few independent rating sources, A.M. Best being the most famous (search for that and you can search on their site for a potential new insurance company for free). USAA is very highly rated, and you also have to consider the customer service you get which I find pretty good at USAA insurance.
However, just like gas and tomatoes it pays to shop around. If you find insurance cheaper from a well rated company you might want to switch. Often you get a discount if you insure both home and car with one company. If you're going to shop around you should use an independent agent, one who sells insurance from a number of different companies not just a AllNation or GECKO agent who sells only that particular company.
In full disclosure I am a licensed insurance agent and adjustor. I do not sell insurance or adjust claims and I never have as my occupation. I have been in insurance regulation (similar to the TDI).
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