I have State Farm. The lady who is assigned to us at this office has been working there 40 years, so I assume (hope) she knows what she’s doing. I pay every six months on the car insurance. When this renews I will be curious to see the rate. If it doesn’t drop drastically, I will expect some investigation/answers.That doesn't make sense. I can add/remove cars from my policy at any time. I have Progressive.