Each state and area has one company that can offer a lower rate than anyone else. This varies by location. Companies do this so that they arent monopolizing, which is illegal and it also works in their favor because people in the highly overpriced areas will STILL use their services. In my area Geico is cheapest by a landslide. In my previous state MetLife or GMAC was cheapest, it varied between the two. You just need to call every provider for your state and know what coverages you want.