Funny, we were with State Farm 38 years. When my agent retired and someone bought his agency, I started having problems. I also was told that if they didn't have all my 'insurance needs' they couldn't provide the 'prices and services' I was getting. My boat, quads, and PWCs were insured by someone else. When my second call went unanswered, I went bag and baggage to the Auto Club. Costs me a couple bucks less than SF, not enough to change if they hadn't turned ass holes. When I called Corporate to cancel all my insurance (2 houses, 4 cars, 4 motorcycles, and a 1 million dollar blanket liability) the sucking started big time. When asked why I was changing, I told them your agent is an ass hole, and if that is the kind of representation given to a 40 year client, I'm out. Very happy with the Auto Club. Cost is about the same, the phone gets answered, and everyone that answers seems to know what they are doing. Good Luck!