Just thought I would throw out my insurance company's information. I have been using Response Insurance (www.response.com) for about 18 months now, and they are cheap, but they are internet only and you may have some slowdowns in communication. The plus side is they saved me about 40% off what I was paying before. So, for me that was like $300 per 6-months, or $600 per year. Well, at that savings rate, I'm ok with having a slight slowdown because I have to deal with folks on Eastern Time. Just throught I would toss that out there.