Made the mistake of opening up a policy with them today. The policy was not to go into effect until 12/14. Their system did not let me see the policy before I electronically signed it. When I did see it I saw that I was being charged 2 points for an accident because it had bodily injury on it. It was actually a minor accident, really due to a bad snow storm, the roads were so bad that the car stopped moving forwards and actually slid slowly backwards, with the brakes on, into the guard rail. When I contacted them and told them they had the accident wrong on my application they would not do anything about it. They told me, that I told them, that there was bodily injury in the accident. What a lie, any excuse to charge a higher rate!!! I quickly learned talking with them and also the sleazy way they hide the application from you before you electronically sign it, just what kind of company they are.
Since they keep 10% of the unearned premium, I suppose I will never see my 10% down back for a policy that never went into effect; as a matter of fact they will probably bill me for more money because they also charge a $75 "Fully Earned Policy Fee". This could very well cost me almost as much as I paid for the 6 month policy, with much higher limits; I got instead of their policy. What a bunch of crooks.
When I tried to cancel the policy I was told they couldn’t do that over the phone. Hmm, they were able to take my money and set the policy up over the phone without a problem an hour earlier. They told me I could cancel it online, I told them I didn’t see a way to cancel the policy online. They told me just enter it into the little box on their contact page. How hokey, I have an idea they still won’t cancel it. I just don’t trust this company.