I cancelled my policy almost two months ago because, even though I've had no accidents, my rate INCREASED even though the agent, Nicholas Gardner, had promised it would reduce. When I asked him why he blamed his manager. At that point I cancelled my policy and was due a 133.00 refund. It's been almost two months now and I still haven't received my refund. I called Nicholas Gardner and asked for his managers name and number but he then said he didn't have a manager (even though he had claimed one as an excuse... read full review »