There is one other consideration in the calculation of the actual premium charged. Vitually all the quotes are from Brokers or Agencies and are dependent on the deal that they, in turn, have struck with the insurers. This explains why you can get several different premiums but the same insurer. The deal struck by the Broker/Agent will be dependent on several factors often more relevant to Agencies than Brokers. Total volume of business, proposed policy wording, rate of commission taken, claims history of the total "book" of business as opposed to individual claims experience to name a few.