Americo - are you with the Military? If so, that would explain the 40% discount from the rates ... program set up for Military personnel.
Camaro99 - do you think when people call and say they got a better price that we fall over ourselves trying to save you $50 a year? Chances are, when the policy comes it, that $50 will have "miraculously" appeared and the broker will blame the company for a rate increase.
Be careful ... be VERY VERY careful!