This is called a misquote. Determining your premium depends on many factors, including where you live, the kind of car you drive, how much you drive, how much coverage you want, your driving record, and your age. If an error is made in reporting any of these facts, your rates won't be quoted correctly. Misquotes also can happen if your agent makes a mistake in following the rating system insurance companies use to set premiums. Auto insurance misquotes often happen when information on your application differs from your actual driving record.
Companies ask state motor vehicle divisions to verify the driving records of people they insure.
So, if you told the agent you have a perfect driving record and you don't, the company will charge you more than your agent's quote. The best way to avoid misquotes is to be accurate about your driving record and any other facts affecting the cost of insurance. Verify all information before signing the application. The premium you pay is a direct reflection of your driving record for the past three years. Insurance companies order driving records from the Oregon DMV and from other states where you've been licensed.