As a 20 year old college student, Shelter insurance has been the best insurance for me. I have bundled Auto (Including roadside), Renters and Life insurance and it take a matter of a quick phone call and a couple of minutes to add or remove a policy. Ive been in multiple wrecks that were both my fault and no fault accidents and my agent Josh Mccurn in Lexington Kentucky has made everything so easy. Yes it is probably more expensive than other insurances but it really pays off with the customer service. I love having an agent that can call (and even text him!) without calling a vague hotline number and having to know which section to go into that you're not sure will even answer whatever question or concern you have.