I've been with Accurate for over 2 years. They have saved myself and my clients boatloads of money. The best part about accurate (besides Paul and Sarah) is they are a brokerage. This means Paul and Sarah can shop around to find you the best offer as opposed to a captive agency. Believe it or not, Paul can write with some of them too and their affiliates. I have been very happy and my wallet has been even happier.