well i know you weren't asking how much we pay, but i just changed from USAA (not so easy to get) to progressive. i didn't want to but i was paying 360 every month (not so great driving record but extremely good coverage). i went over to progressive with the same coverage (actually slightly better) and now i'm only paying 160 each month. however i know that if i get nailed with another ticket, i'm sure they'll drop some of my discounts and jack my premium up. take that for what it's worth tho