THIS COMPANY STARTED OUT WITH VERY GOOD RATES, AND I MUST SAY THEY DO PAY THEIR CLAIMS WITHOUT ANY HASSLES. THE COMPLAINT IS THEY HAVE MORE THAN DOUBLE THEIR PREMIUM WITHIN THE LAST 5 YEARS AND NO NOT GUARANTEE THEIR RATES FOR A YEAR AT A TIME. THEY HAVE GONE UP AS MUCH AS $75 A QUARTER NOT A YEAR. THIS PAST YEAR THEY HAVE GONE UP ALMOST EVERY QUARTER. THIS JUST ISN'T FAIR.