Pickles, it would be really useful to compare acceleration from 60 mph to 80 mph. Does the +1/+0 perform a little more competitively there? I'd much rather have more acceleration available on the highway than off the line.
The difference that one company will quote compared to another is pretty crazy.
I have an auto policy with Geico so I tried them - over $1000 for the year, even with my multiple-policy discount.
I called State Farm and the same policy was $321 for the year (26.75/mo).
FYI - My policy...