It reminded me this story.  
One family got about 7500 dollars tax refund and everyone was running to do tax with that dude. I told my cousin that you will not be getting about that much. It would have done free or I would have paid (14.99 tax act) from my own pocket.
I am sure that family may have 3-4 children and just enough income to hit the high Earn Income Credit and some amount of fed withheld. They do not know the reason and if someone tries to explain it will not get into their brain because their mind will be preoccupied on getting similar fat refund.

It has something to do with the State and the town you are residing, your age and driving experience, your credit score and driving records. If you live in Bronx NY and Jackson Height NY or Living in Newton and Dorchester MA , will not be paying the same premium.

So far I found Geico has lesser quote than any other auto insurances.