Today I bought a new car, nothing special, just a Saturn Ion. Agent quotes me (approx.) $100 per month. Kind of a rip, considering I have driven for over 15 years without so much as a parking ticket or any type of warning from a cop. Whatever, fine I say. I have been paying (approx.) $50 per month for more-or-less the bare minimum to put my old '92 Chevy Cavalier on the road...again a bit high, but whatever, not the end of the world. I was paying the $50 monthly, at the beginning of each month and always on time. Now my agent (and it's one of the big ones, Allstate, State Farm, etc, won't say which at this point) tells me they are charging some fee based on the difference between the two policies. In other words, I am paying $900 on my Saturn for the next 6 months, even though they quoted me $600. Essentially they want me to pay another six months worth on a car for a car I no longer even own. I asked how the calculated this. They told me when you buy a new car, they take the difference between your old premium and the new premium and charge you the differnce (in addition to your new premium amount). Obviously, charging you the difference would make sense if you paid your insurance 6 months or a year in advance. But in addition???? I could not believe my ears, and I had them explain this to me several times. Still did not make any sense. Essentially they told me that $100 x 6 = $900. Yup, was the response. Oh, and they are so, so kind, they will let me pay the extra $300 over the next three months. Since I was at the dealership and needed proof of insurance so I could get out of there, I said whatever, fax the proof. What possible justification could they have for this? I know insurance companies answer to no one, but I think the agent literally was on crack or something.... Is there something I am missing. Obviously I need to find a new agent, but what essentially amounts to a $300 service fee seems like the work of a madman.