1. Something looks underground, not transparent, avoid it.
2. Ways to shop auto insurance. a. call company directly. Some companies do direct sale; b. Call a captive agent from yellow page or someone referred. c. if you want to shop around, call an indepedent agent who sales many companies' policy. d. General rule, don't go for the sheapest in the industry. Usually either you will have difficult when you have claim or your premium will increase soon. Remember always - you get what you pay.
3. Risk 2,000 - 5,000 for a return of 5,00-1,000, you are a risk taker. Do not complain you lose money when you realized later you are cheated.