Working on a case, the first three quotes came in silly high. I asked why, and the rates were controlled by what the entity was titled.
Yeppers, the simple changing of the name between two similar entities, could be a 20-40% difference in premiums.
So, I told all three companies about each other, gave them a "target" premium, and waited.
Got what I wanted! [This applies to commercial insurance. Health and Disability have almost NO flexibility...]
Rugby is not like this. You either scored, or you didn't. You won, or you didn't. None of this namey changey stuff...