Just wait for the policy to renew, if you call and want the cheaper rate, they might have to re-instate your policy. But it can't hurt to call about it.

How many points (if any) and accidents do you have? that matters a LOT

I am 23 right now, have 2 points and 2 accidents (so 3 incidents total) and im on MIAF paying 402/mo for a PT Cruiser and 91 Civic HB (full coverage on both)

Allstate (who i will get coverage with on April 30, 2005) quoted me and i will go down to 168/mo for BOTH CARS, and that's still with 1 incident, after that it will be 156/mo, and then after that i will turn 25 and he said it will go down, but he didnt say how much for sure. I know I can't wait until next year!