Why do people use Met Auto insurance?

Or All-State, or Progressive for that matter? My insurance rates are ridiculous because of my age and since I’ve had an accident, so I’ve been shopping around. I’ve learned that through Met Life and Auto I get a 20% discount from my employer, but even with that my monthly payment for $1,000 deductible is $365.00 (yes I said monthly, $415.00 for the smaller deductible).

All-State and Progressive quoted me similar prices. So I called a couple of places that I’ve never heard of before, that offer the EXACT same benefits, and one of them quoted me for $200.00 a month. So I am saving over $160.00 for using a company that isn’t a big name, and there’s no coverage differences.

I guess I just don’t understand why more people don’t use the "non big name" insurance companies if they can save you this much money.

Some of the LEGIT smaller companies offer those cheaper rates because they are more picky about who they take. Since they take people less likely to get in accidents they don’t have to pay out as much. Don’t be surprised at how quick those smaller places would drop you with another accident, and I don’t blame them. They have smaller legal departments and smaller in size so they have less overhead. Now I do agree to check their ratings with people who research insurance companies and such. If they are legit then be glad you really shopped around. A lot of people are too afraid to contact someone they hadn’t heard of. They would call a place like State Farm and All-State and Progressive and all, but never talk to a lesser known like Farmers or Travelers, or a totally unheard of. They are afraid of doing any research so they are willing to pay far more.