How badly did my car insurance agent mess up?

It could be the cost to replace parts on the Subaru are more or the theft rate on the Subaru is higher. Insurance agencies have these "hidden lists" that they don't share with anyone based on all kinds of silly criteria. I just found out today that if I leave my insurance carrier and take auto insurance elsewhere, i'll get a cheaper rate with the new company. AND my agent told me "when you come back to us, your rate will be lower too - i can give you a lower rate than if you just stay with us because it's competition in the market." she explained that she'll open another policy when i come back. that's just insane! my rate was lowered by 54% with the new carrier, I can't believe it. shop around - I've learned that insurance is exactly like cell phone providers - everyone has a good deal to steal each other's customer base. as long as you have a good driving record and no claims then it's worth it to shop around.