FGM,
Price is important, but not at the cost of proper coverage, solvency and good claim handling practices. Are you comparing "apples to apples"? What coverages and limits are included by law or required of you otherwise?
Some of these coverages that might be available or mandatory:
personal injury protection
uninsured motorist coverage (stacked/non-stacked)
underinsured motorist coverage (stacked/non-stacked)
property damage liability
bodily injury liability
medical payments
collision/comprehensive
rental
towing
additional and/or extended coverages
gap coverage
replacement coverage
.
.
.
Also, deductibles, if any, must be considered along with both your health insurance coverage and disability coverage, if any.
EM if you want help or explanations...
robertfenster at fensterlaw dot com