My insureance rate went up $120.00 per 6 months..I have not had an accident or ticket in over 10 years. I have 3 vehicles insured with them..Ms.Lynn said the rate went up because Reno, Nevada was a high rate accident area..the Reno Gazette Journal has an article that rates Reno as one of the safest cities to drive in..It is rated 11th..Las Vegas, Nevada is rated as 153.This artcle in the July 09th 2009, Rates RENO the safest in the UNITED STATES. So believe the lies if you want to, but check this article out..Don't believe the first LIE that the insureance tells you.. read full review »