I've been with Pemco forever, and rates and service were excellent. Until I got 3 tickets in one 3-year period. Wow! Got stuck with about a $1,000 increase for the first year, 6 or 700 the second, less the third, and finally back to normal low rates. I thought briefly of changing, but what company would take on a new policy with someone with tickets on their record without applying the same $$ penalty?

I guess the idea is to make speeding hurt, first with the cost of the ticket, then with the increased cost of insurance. I just try to be more mindful of speed limits.

Otherwise Pemco has been fine. I had 2 claims a year apart, one on homeowners and one on auto - breakins of a storage shed and then the smash and grab on my car last winter. They paid both claims in a few days.

Sg