It's simple. Stop calling the 1-800 numbers and searching the websites of these insurance companies. When you get insurance that way, you pay more because of that distant service. Look for a local office of these companies near you and walk in. Get your quote there on the spot and compare in the same way as you normally would when looking for a bargain. A State Farm agent told me that and I paid less than a quarter of what the 1-800 folks were going to charge.