So my insurance is coming up for renewal and I noticed that they started the new withdrawal for the new policy from my account, which is perfectly normal except I haven't received my new policy.

So I call my broker up and I wasn't exactly surprised to read that the new premium went up by $900 lol ... no wonder they didn't want to send me the new copy. So going to switch my policy, the banks quoted me at least $600 less lol.

Oh yea no ticket ever (*huge knock on wood*).