Gentlemen, once again I remind you that Leah (Gallagher, who I personally favor), Ladd Gardner, Skysmith, etc., are all insurance AGENCIES. If the system is working as it should, each should be getting you the same quotes. Now, some companies have grown tired of issuing multiple quotes, so they now will issue a quote only to the first agency that asks. If there is any other reason why some agency gets a lower quote than another, something is wrong with the system. You should choose an agency based on their SERVICE. Choose an insurance company based on price, and a discussion with your agency about their recommendations and why. Only AVEMCO does not fit this description; they don't use independent agencies. If you want a quote from them, you need to contact them directly.