I have no accidents in over 10 years, no tickets, I have a good driving record. I insure 3 vehicles, a 2006 PT Cruiser, a 2005 Chevy Colorado, and a 1997 ford F-150. I am married, female and 65. I drive less than 25 miles a day as a rule. I have full coverage on the PT Cruiser and the Colorado and minimum on the F-150. That is because we don't use the F-150 on a regular basis. We have been with this same insurance provider for about the last 18 years, that would be since we moved to this state. We chose them out of the phone book and for the most part they have been what we needed. I like the fact that they are helpful when you need them but I don't like the fact that until I called them and made an inquiry they didn't lower our rates. Our home owners insurance is with someone else. They were suggested to us by our realtor and they have been very good.