DO NOT think you're getting a discount by switching to this company. We filed a claim and now we can't pay the auto shop to fix the car because they paid the finance company. We carry full coverage on 3 vehicles with them and didn't have a problem until it was time to file a claim. Don't waste your time, it will COST YOU big time in the long run. They also sent us to a SALVAGE yard for parts that need to be replaced on a new car.