The quote you got online was the accurate price, based on all the information you provided and the coverage you selected. Our model is a little different than what you may be used to, so here are the key points:
Your first-month rate is exactly what it sounds like: this is what you will pay for the first month.
Your first-month driver discount is how much you save off your max price for the first month. (We start you at 25%, but our average customer is actually earning over a 30% discount in following months!)
Your max base rate is the number you can use for budgeting purposes and is the most you will pay for that policy. (Of course, if you make a change, like adding another car, that will change your rate.) But again, our average customer is earning a 30% discount.