Continuing this. As previously mentioned, my vehicle insurance went up significantly when moving to Denver. I was told it was because vehicle insurance in Colorado is expensive (2nd highest vehicle thefts per capita, hail, liability laws, etc.). Got my renewal... and uninsured/underinsured went up 70% and Liability went up 36%. However, the discount for paying 6-months in full went up also, so the net increase was 14%. Called them to understand why the 70%/36% increase.
Spoke to someone who was a bit difficult to understand, but perhaps the first insurance person I've spoken to on the phone who actually understood what I was asking. Took an hour to find out that when I moved to Colorado they had to write a new policy because it was a different state (which I knew... they can deregulate that any time now). But they didn't transfer over my Accident Forgiveness, and she found out that I had four points against me on my policy rate.
She got my policy re-run with the Accident Forgiveness, and got $410 deducted from my renewal premium. Back down to $680 for 6-months. An hour well spent.