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If you had him as a policyholder, then they COULD have used his credit score they'd use whichever is HIGHER, yours or his. But you're saying this wasn't what happened.

After a long time researching for the best and cheapest auto insurance company I found that PROGRESSIVE is the one. I don't know if you can buy that in Chicago but definitely worth to check it out. You can compare insurance prices on their website too.

c) Regarding ROP term why not buy ROP term and still invest so you're diversified? Why not get something guaranteed and also give yourself some options when you get to the end of the policy? If it's $ 20 or $ 30 more per month, why not do it? Do you really super analyze $ 20? I'm not looking at the options, I'm just giving you generic info.