<prompt> Human: I am doing the yearly budget for my wife and myself and looking at some of our expenses. My wife and I have two newer Honda accords with excellent driving records no accidents ever, and are a few years over the age of 25. I am currently paying 950 per 6 months with State Farm for the two vehicles. I got a quote from GEICO for around 450 per 6 months for the same coverage. Something seems way off to me in that there would be such a huge difference. Is there something in the details that I am missing or has State Farm been overcharging us? I have never changed insurance companies before, so I was not sure if PF had any experience changing, saving money, or getting screwed by some devil in the details?  <response>: I have never changed insurance companies beforeThats why its so high. Find two or three companies you trust, then get a quote from each at least yearly. They are always itching to undercut each other to gain your business... 