I went with AARP(Hartford) as they had a good low rate. However, one accident and my premium went up $900 each year for 3 years. I just hit slightly (NOT Even a scratch on my car) the rear of another car who was pulling out at the same time. The damage was over the $500 mark they said and because of that my policy was raised $900. I could of paid for the damage myself with that kind of raise and to think they think I'd stay with them for another 3 years!!!!!! They are cheap but watch out if you need to use the insurance