AMA Auto Insurance Reviews

DON'T BE FOOLED BY AMA INSURANCE!
I went in to get insurance on my 18 year old vehicle. My wife and I are senior citizens. We signed the paperwork presented to us, which included a statement about a $100 premium retention if we cancelled the policy within 30 days. We specifically asked the agent, before signing the paperwork what would happen if we sold the vehicle, and he clearly told us that there would be a $100 premium retention if we cancelled early. The quoted premium for 1 year was $2,267, which is fairly close to the value of the vehicle.
Less than 48 hours later, we found a national insurer who offered us exactly the same coverage for $450 for 1 year. So we went back in to the AMA office to cancel the policy (less than 48 hours of receiving it). The agent told us we would not only lose the $100 premium retention, but they would also be charging us a $100 penalty for early cancellation. This 'penalty' was not mentioned in any of the paperwork we signed, nor was it mentioned by the original issuing agent.
We spoke to a supervisor, but she didn't care. She just said we breached the contract and would have to suffer the penalty for it. She didn't care that we were long time members of AMA, and she didn't care that we are seniors on a fixed income. In the end, we had to leave without any satisfaction because it was clear that they were not going to do anything for us. Their ethical practice and behaviour in forcing us to accept a penalty that was not mentioned in any conversation or described in any contractual documentation for less than 48 hours is despicable. SHAME ON AMA INSURANCE!