Ask to see a copy of a policy. Which they will answer you have to pay for one before you see it. :R:R
Almost all of these on line insurances have very low rates but in the policy you will read that it is only guaranteed for 12 months. And then they raise the rates.
I have met over 10 different people that this has happened to with GS, Progressive, and even AARP. They all say they will beat your current insurance but what they don't tell you is it is only for 12 months. Just saying, try and read the small print 'first' before you sign up and save yourself a whole bunch of headaches trying to go back to your original insurance company.
I have State Farm and every time we talk policies around the campfire, I always have the lowest rate.