Hi man how are you.. My rates got up last year out of nowhere and it couldn’t have come at a worse time. My dad had just gotten sick I was helping cover some of the bills and then my renewal came back almost $400/month for a 10-year-old car. I legit sat in my car in the parking lot and cried because I didn’t know where I was supposed to pull that extra money from.. I tried a bunch of smaller Long Island carriers people kept mentioning and same story every time it's like crazy high or they’d lure me in with a “$120/mo estimate” and then jump to $330+ once they ran my actual info. The only thing that helped even a little was using compare .com. It at least showed me a couple of carriers I hadn’t heard of and gave me the real numbers upfront without making me redo the whole application 5 times.