Put it this way, while their service was fine, I dropped them for Allstate and saved 20%. While I was with them, my rates kept going up, though at the bottom of my bill there was an indication that I would be eligible for a "THREE year safe driver discount". When three years came around, my rates still went up and the notation had changed to "FIVE year safe driver discount". I dropped them immediately. This was at the time that they started their "15 minutes could save you 15 percent" campaign. Two guys I worked with at the time called them for a quote, and neither was given a better rate. Maybe if they didn't spend all that money on such aggressive advertising, they could actually provide those lower rates?