It turns out Progressive was not the cheapest for vehicle insurance. Sorry for whoever was rooting for Progressive. We called 4 companies. Progressive, Geico, AllState and USAA. Progressive was almost $400 more per year than the others, AllState wouldn't do business with us at all, Geico and Progressive wanted (2) - 6 month payments. USAA Won! They were about $2 more per month than Geico, but we also get to make the usual monthly payments (month to month) instead of the 2 times a year payments. Which is EXACTLY what we need, especially 2 weeks before xmas.