I HAVE USED THEM FOR ALMOST 10 YEARS, RATE WENT UP LAST YEAR AND WENT UP THIS YEAR BY ALMOST 3 HUNDRED DOLLARS. NO TICKETS, NO ACCIDENTS ALWAYS PAY YEARLY. MAKES NO SENSE. SWITCHED TO PROGRESSIVE SAME COVERAGE A LOT CHEAPER. ALSO THE HELL WITH AARP IF THEY ARE GOING TO ASSOCIATE WITH CROOKS I DONT NEED THEM.