Been doing business for years here and now it seems that whenever the policy premiums are due, the way the details are shuffled around as to who is on what car (we have teenagers) is such a way that we see big increases. Then we must go back and re-haggle to get it straightened out. In phone conversation their customer service person has a pleasant "well, you can go somewhere else" response if you disagree with her. And a 5% discount for "e-policy" is a bit bizarre - that's a lot of money customers are charged to not go paperless. I suppose if they "pad" the invoice enough, it's a sizable wash for them. The details aren't the problem. It's the ATTITUDE.