If you're full timing, you're limited as there are only a few companies that insure us. That said, I've been with National Interstate for the past 6 years and have been more than satisfied with their service and claims. I had two windshields replaced this past year with zero deductible. The HHR was also totaled and they handled the claims efficiently. If you recall my earlier post relative to my front brakes and calipers, they paid for that too....give them a call @ 800-929-1500 and get a free quote...Dennis