This is correct. I have been in situations where I am told the cash price and then "I cant tell you how much it will be with your insurance". Come to find out cash was A LOT cheaper. They cant undo it.

I have also been in a situation where insurance price was cheaper.

Thereinlies the problem..without know the price people CANNOT make an informed decision. There is no freemarket. This done on purpose and only happens in America.