I have had GS auto insurance for over 4 years. My situation: lower cost than my previous and a couple others. One large incident, they took care of immediately without out of pocket cost other than deductible, and a couple glass claims. I continue to give them $$$ and so far have done me well. Surcharge for large accident due to our fault as legalities go, but it is what it is. So far we are satisfied. Good Luck & Be Safe ! ! !