<prompt> Human: I just bought a used 2003 Saturn sedan from my friend. Getting it insured, I shopped around a few places and ultimately settled on progressive since I want to drive it while on my permit and then get a license and look at these other companies. Pretty much every company has said that my monthly bill will be 100 for the coverage I want I got really good coverage for hitting someoneproperty damage. GEICO for whatever reason with the exact same coverage and then some comprehensive insurance and GEICOs Triple A alternative I could get for 50. Im super confused. Why is this huge discrepancy there?  <response>: All insurance companies look at the same kinds of things but each company attaches their own weight to each factor which is why rates vary from company to company. Most of the time the rates will be in the same ball park, but occasionaly 1 company is noticable higher or lower than everyone else. As long as you are sure they have included everything that is in your driving history, and all of the information they have on you and your car is correct than you have nothing to worry about.Probably the number one reason for discrepancies in quotes is missing driving info, most insurance companies only run motor vehicle reports once you commit to purchasing the policy. So the quote only includes the accidents and tickets that you tell them about, but it can change if you left something out. The other major cause of differences in quotes is different coverages. It sounds lke you are a new driver and have actrually looked over the coverages to make sure they match so both of those are good. The only thing left is errors, I had a policy holder just yesterday upset that the quote we gave them was much cheaper than the policy we sold them; it was because someone had mistyped their date of birth and made them several years older in the quote we found the error when verifying the info before selling the policy. In most states insurance companies have an underwriting review period where they can change the rates if new information or errors are found, so just read over everything and make sure there are no errors.Personally, I have Progressive because the algorithms they use to rate a policy dont place as much weight on tickets, and place more weight on credit and accidents. I have excellent credit and dont get in accidents but have quite a collection of speeding tickets. For the same coverage with Geico I would pay almost twice as much. My father doesnt have speeding tickets and was able to get a much lower rate with Geico. I would say stick to one of the major insurance companies and you should be fine. They all offer the same insurance coverages, have 24 hours call centers, and tend to settle claims quickly. The smaller companies may not offer thigs like emergency raodside service, may not have 24 hours call centers, and tend to take a little longer to settle claims. 