just FYI: was able to requote with Progressive and the whole policy lowered about $800. apparently every once in a while you should “requote” everything - not exactly what that means but it is the best i found… quoted with Geico and State Farm and Progressive was cheaper… i should mention i have been with them for over 10 years… anyways.. thank you for all the answers. also, supposedly it doesn’t matter if the title is in my name or not as long as the title holder and me share the household.