When we moved to California we decided to shop around for car insurance. We knew that your location determines how much you actually pay, so we figured we could find a lower rate on car insurance after the move. We got some quotes from various insurance companies and the quotes were often higher than what we were already paying through our existing company. We became a little worried that our moved to California had actually caused an increase in our insurance rates, but then we got a great quote from Progressive Insurance. Progressive insurance gave us the lowest quote of all the quotes we received and the rates they quoted were even lower than what we were paying. We signed up immediately and have been a customer of Progressive's since. We have not gotten any surprise fees or rate increases either. If you are on the lookout for lost cost insurance, you should check into Progressive before you look at any other company.