Ah hell... I may as well chime in. I've been with State Farm for around 8 years, and my wife as been with them since she started driving. Her parents have been with them for around 20 something years. Maybe that's why our rates are somewhat low, I don't know, but I paid around $1000/yr. for just about the highest covereage they had. I've had one speeding ticket in the past 7 or so years (on my record... took DD in Texas a couple times, though), and I'm 30, so I'm past the hump of ins. financial burden.

They have always been awesome, and I've had things like mysterious bumps on the hood and marks from being egged claimed as vandalism with no problems.