answer:First and foremost, are you absolutely clear on what total cost per month full coverage is? You’re calculating what you think the difference should be – but you and the insurer don’t seem to have the same numbers. I can definitely understand how, when you thought you were underpaying by only $70, it hurts to be charged $95/mo. extra—above and beyond what you think is the new monthly total…but what I wonder is if you weren’t underpaying by only $70..maybe the full coverage insurance costs about $20/month more than you were guesstimating? I also agree that the way the insurance company has dropped the ball (with you and your husband having to call repeatedly to correct their mistake in not adjusting the coverage) isn’t acceptable. Personally, that would be enough to make me want to shop for a different insurance company. When you call tomorrow I’d explain the timeline to the person you speak to, ask for a clear total (what is the total cost per year for this new car, and thus how much is being deducted each month) and then ask if you canceled the policy today (by selecting a new provider) what balance, if any, is considered outstanding? If you don’t like the customer service you’re getting I’d advise them you will be shopping elsewhere to see if another insurer can beat the rate AND provide better service than what you’ve experienced.