Auto Insurance Premiums
I am considering changing auto insurance companies but am not committed to doing so. The new company gives a 6 month policy only, but the quote they provided was $300/year less than my current insurer. There is one difference in the quotes. My current insurer recently reduced my deductible to $400 from $500. The new insurer is still doing the $500 deductible. To me, this is not meaningful. I'd rather assume risk than pay the insurance company $300 per year to assume it for me. I don't claim parking lot dings and other damage. The current insures my house, too. The new quote was for just auto.
I haven't had a moving violation in 7 years.
I did total a car in 2004 with my current compay, but the other party was at fault.
In this situation, should I call my insurer and ask for a better rate?
Is it likely that the 6 month premium would go up as soon as the 6 months had passed?