Man I like it when ins agents go at it, cause I am always thinking those sobs got me again...My coverage always, always goes up and never down and I haven't had a claim in 30 yrs. I always think I am paying for everyone elses mistakes...or hurricanes or whatever...my state says I must have coverage, so I do...I always shop my insurance, I always match my coverage by having policy in hand, and never get the same quote...I am with ERIE right now, but I think all companies suck...just me .02...Doc