They sucker you in with a good rate for the first six months. Absolutely nothing about my driving record changed but my rate increased by $200.00 for the next six months. I changed to State Farm! Bait and switch all the way. Very deceptive business practices. Take advantage of the 6 month savings but make sure to shop for a replacement for the next 6 months. Thank you State Farm. My rates actually went "down" for my 2nd term with State Farm. Bite me Progressive!