I just switched to them recently , cancelled with State Farm , basically saved up to $300 yr and his insurance has deductible gets reduced year by year when there is no claims, SF did not after all the years Ive been with them, although State Farm was great during any claims I have ever had, boat or vehicle! So truth to story maybe will be is if I ever have a claim for boat what that process will be like with new policy , hoping is as easy as SF!!!!!!