Word of warning… I usually pay our insurance premiums up front for the discount… well our carrier went out of business last year. Fine, we found other coverage and canceled on Oct 31. Here we are in April… the state insurance folks have taken over refunds… and we are still waiting. Five months later. Luckily, due to our Fi nature, we have the money but this whole time we are over here paying home and auto premiums to our new company still waiting for more than 6 mos worth of a premium refund. This is absolutely ridiculous and was not worth the $10 discount for prepayment.