wow,to me..thats really a first,i have state farm and i'll tell ya,in my rates/research to me they were cheaper than geiko and all state,and before state farm,i had another company named magnum,huge among the hispanic community..they were *APING me..all in all if i do pay more,i dont mind,because they aside from getting me good deals,are always very nice,and i got discounts now cuz i got life insurance with them