I gotta admit I usually hate these blood thirsty companies but I will tell you what, I have been impressed with some of them during the past few months kicking back money to the customer in terms of discounts as not as many claims are being filed nationwide. I have American Family and first it was giving me back $50 for each car I have, just got a letter in the mail and now they are giving me back 10% of my premium on car insurance for the next 6 months....mind you if I didnt have a teenage driver this wouldnt be much at all but being I do its about $30 a month. So within a 9 month period they are "discounting" me about $330. Say what you want about them but they didnt have to do this. I commend them for doing it.