In less than two years our rates went from 83 to 138. We had no changes in our perfect driving records. Customer service is difficult to understand. They did not explain clearly that your first payment does not pay for your first month's coverage it is just a "down payment" for the pleasure of doing business with them. Therefore although we paid the exact amount of our policy initially you will still owe a prorated amount or another entire payment. I do NOT recommend. I will NEVER use them again. We switched to Geico where I get customer service from someone that lives in our state for the same starting rate with great coverage.