I have been with American Family for 10 years....have only had ONE minor claim back in 2001, never missed payments..... got my renewal for June and because they now go off credit rating, my insurance went up $35 a month!!! I may not have the best credit, but I know what my priorities are, and handle the other stuff the best way I can!!! What a TOTAL RIPOFF!!! Not fair to good people trying to get thru these hard times!!! I will be going elsewhere for sure!!