Over the years I've dealt with many different insurance companies. Because my rates went up a considerable amount in the past 2 years, I've been looking and looking for something better. I have great credit, no claims, and I do direct payments from my bank. I finally went to Johl & Company in Westwood, NJ and over after a few days of checking out several insurers, they came up with the same coverage as I had and saved me several hundred dollars a year. Thank you Sandra and Johl & Co.