[Sea Note]

I just went through this and received four significantly different quotes, all with progressive as the underwriter. One was from USAA (highest), one from progressive directly (second highest), one from Good Sam (attractive, but verbal and they never would give me a written quote), and finally from an internet-only broker, Roamly. Roamly underwrites its own insurance up to $200,000 and then writes on Progressive paper above that - all quotes were apples to apples and Roamly was significantly lower. Paid for the year in full and received progressive policy as quoted. I'm not an insurance insider so I can't tell you why the quotes varried so much, my guess is that the brokerage fee taken by each had something to do with it.

Good luck!