Honestly I've been happy with them. I can't remember who I had 3 years ago, but they jacked my rates up a lot and I'd had no claims and a totally clean driving record. The folks at PolliSeek that handle my account were even surprised. They got quotes out and Blue Sky beat them all. I've been with them 2 years now, my RV was hit by a powerline from a DUI driver, Blue Sky took care of me then helped me (and them) go after the DUI's family insurance. When all looked lost they gave me some advice on going to small claims for myself and in turn them. That threat was enough to get the family and insurance company to stop dragging their feet and make things right. I'd have zero regrets recommending Blue Sky to anyone at this point.