i have Farmers, never had a problem with them at all, there always friendly, helpful in finding all the discounts you deserve, its always good to combine house, auto, boat all with the same company you get a better rate, plus using auto pay they give you an additional 10% off, all those little things add up when it comes to discounts between my house (homeowners) Full Coverage/Glass/Towing on 2 trucks( 2004 F-150 FX4x4 1994 Ranger 4x4) and my MasterCraft Tournament Boat im paying about 165 a month for all, your rates depend alot on your Age. Driving record, Area where you live and so on, I wouldnt change my Company for nothing