check some little places, i have westfield/farmers insurance that i get through a independent agent, they insured me when my old company dropped me with out telling me, that was over 10 years ago and no one else would even talk to me. i pay $112/month for full coverage to the note of over 30k on the avalanche and full coverage on my gtp & 1966 dodge truck. my agent is awesome, she will call me from time to time and tell me she ran my coverage to see if she could help me out & just needs my consent to change things & save me $$$.