I use to have a big name insurance company for which I paid $2,400 a year. I switched to Esurance for $1,400 a year. Two months in, my wife got in a bad accident. Our car was totaled. They were more than fair on settling our claim, and quick. Now here is the part that got me somewhat upset. After the accident our 6 month premium went up from $776 to $1,400. When I removed our 3rd vehicle prior to renewal our premium changed to $740 for 2 cars.