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I've had them for about 5 years and I see a rate increase every year despite a clean driving record and zero claims/accidents. Minimal increases in year 1, 2 but I saw mine jump at the 3rd year also.
I'm still with them because in year 3, I bought a second car and added it to my policy. It somehow seem to "reset" my rates and they were once again competitive with State Farm and AAA. Fast forward 6 months and I sold car 1, premium decreased only about 20%. I called my agent to ask why the decrease was so small and apparently the multi-car discount is worth a ton in my case. Age didn't play a factor for me, single male in my 30s.
I shop around every year when I get my renewal, just to make sure I'm not being taken to the cleaners.
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