We recently took a 3 hour class to help reduce our insurance rates..Well we just renewed and lo and behold..all the savings we garnered through this class, has been eaten up through rate hikes..Originally we had a savings up $582 over the 3 yr period, that averages out to $197 per year..The rate increase in our premium just went up 15/mo., which bring our saving of 197/yr...to $14/yr.so we are really at a loss because you pay for these classes.. The classes are a state rip off and are not worth the money. read full review »