Rate wasn't my problem. I feel like i already spoke about this, but maybe on a different website. i'll just copy pasta it here;
They demanded i add my fiancee (who i live with) to my policy, even though i stated clearly she cannot nor would not drive my car; (she has her own and cannot drive a manual gearbox [mine]). then i spent 2 weeks arguing back and forth with them about having to come in to sign a waiver in which she agreed to not drive my car or my insurance would be considered void. we were happy to sign this but apparently the requirement is that we take time off work to be lectured for 30 minutes to ensure we understand a document which says in plain English "if you`re caught driving this car in an accident or otherwise, it will void my policy". Finally they relented and let us return a signed copy via email.
I get an email the next day stating that because she had an accident claim on file from 5 years ago they would be voiding my accident forgiveness as their standing policy is you can't qualify for this if anyone in your household policy has a claim on file. i lost it, not because i cared about AF but because they badgered me for 3 weeks to add her to a policy that means nothing to anyone because she physically is unable to operate my vehicle and the end result is my getting penalized for it. i called in to discuss with a manger, thinking that someone with 2 brain cells would be understanding of the situation. Or at the least make a case for them to consider reviewing their policy so no one else gets caught in this trap. NOPE, got told i don't get to speak to managers, i have to file an online 'complaint' and maybe someone would return my call.
Yeah dropped them the next day.
8 years as a customer and i never called them for a damn thing before this.