As an infrequent driver, I paid FAR less than I would have through a more conventional insurance policy.
More importantly, I couldn't be more pleased with the service I have received after my car was totaled by an uninsured driver.
The pay-out on my car was quick, and honestly more than I expected. They have also been very responsive regarding medical claims. My two adjusters have both been a joy to work with.
I couldn't have asked for better service!