If i payed for insurance a year up front til 12/19 if i find a cheaper insurance price and want to switch will they give me the difference for the remaining months

I think you should chech with AAA with that quedtion. Be careful though that you are getting the same coverage...and service. I have been a customer for many years and have never regretted it.

Yes you would receive the unearned premium back to you. Depending on the policy you might be charged a cancellation fee.

Yes any insurance company pays you the difference