They didn't actually each year they say for some reason they cant do something, give a reason why it cant happen then promise that next year they will be able to do better. for a change my actual insurance went down this year so did my payments - Not by much but knowing it would cost me more initially to start again from scratch they have you by the short and curlys. well I renewed this year but if I dont get what I ask for next year then I will be going else where. so you had better have made notes as you said you had and keep your promise to do your BEST NO BETTER THAN THIS YEAR