When I was insurance shopping, AOPA's "from the hip" quote was very competitive, but when I called to bind, the number came up higher. The agent, when asked, said, "you're right it is, let me get back to you," and when he did, he bested his prior quote by about 10% - said he had to check some other stuff.
I'd ask. THeir service has been, for me, very good.