I was quoted one price when I started. The quote increased by $10 because they had non drivers on my policy that did not live in my household. My rate increased by $40 when my one year renewal came around. I had no accidents or tickets during my year with them. The owner said that every insurance company in the state of PA took on rate increases which, in turn, trickles down to us. Their yearly rate increase percentage is low but the I still found lower quotes with larger auto insurance companies. They also have many additional fees that other auto insurance companies do not have such as a cancellation fee. I will say that Michael genuinely tried to maintain a positive rapport. I would have given another star if there was an online portal that gave me more visibility of my policy instead of the stacks of papers I have for them. Great customer service. High rates.