Recently switched a needed policy to a different company. Same policy details, $400.00 less for 6 months. They really just rely on people letting things get charged automatically. It just seems insane to me. And wastes my time having to swap back and forth. But whatever, I’ll do it.
I’ve found that most insurers seem to hide their policies behind application forms. You need to apply in order to find out what will be covered and what it’ll cost. It’s a few hours of work, but it pays off.