I only have a few words of advice...when you are shopping for insurance, don't forget the old fashions "Insurance Agent". My husband spent a great deal of time online, searching for the right insurance. In the end he found that, when he began to talk directly with an agent using our existing policy as a comparison, we were able to get car insurance with what we wanted for what we could pay. The company that had accident forgiveness, gave us a better deal because we were educated and did not punish us for being "senior citizens". Liberty Mutual was the company.
So my advice is, "TALK TO YOUR INSURANCE AGENT AND THEN TALK TURKEY!!!"
Just thought you should know.
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