I'm a 39 year member and have been driving over 50 years. I tried their Safe pilot App program where good driving is rewarded with up to 30% discount. Save your self the aggravation. Haven had an accident or ticket for 40+ years. Their rates are high so this app should have been a good deal. My usual drive per day is about 10 miles. Today I drove about 200 miles to go fishing. When I got home I checked my score it went from 94 to 67. It seems that cars are made to sit in your garage and not driven and if you drive too much you are penalized. So is it worth sacrificing you privacy and being watch as you drive? If I remember correctly, most accidents happen within 2 miles of your home! Am I not giving the company to see my driving over a long period without an accident or infraction. You would think that would be a plus for the driver. Last month my wife questioned a charge on our account but they would not speak to her as she was not the account holder. They were to lazy to check the POA on file! Then they didn't activate autopay on a new card so I paid a hefty price even thought the funds were in the account to pay them. So a $300 interest paid by me but I only earned a few cents that on the funds in my account to pay the bill. Shameful. While I complain, the company in general is good. I guess each company has some incompetent staff and manages which cause them a negative rating. Learn and adjust, we pay your salary by being members.