You are correct about the 6 months. I pay $462 and change every 6 months, I am a federal government employee which may give me a cheaper rate, Gov Empl Insu Co. GEICO. You probably already knew that though. For the Gov I am a police officer, may also lower my rates. I'm not saying they are the best for everyone, just 4 me.
Cheers and have a sam adams.