Had a rep from Tennessee call was excited about the low cost and great coverage but when it came down to checking the company out they are not accredited by the bbb and when I talked to the manager who said he was the owner he wasn't professional at all and when I said I didn't want to go through with the insurance he was rude and yelled fine we will put your application in the shredder and then told me have a nice life and honestly I gave it a 1 star rating because you have to buy it's more of a negative star rating