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Re: If you get Consumer reports, please read.

 Read for yourself I do not have time to read it. The whole thing
 should be here.
 Part 1 of this report includes the following sections:
   Consumer Reports Ratings
   Consumer Reports Recommendations
   Coverage Basics
 Consumer Reports rated 36 insurers based on almost 34,000
 responses to CR's 1994 Annual Questionnaire. The Ratings list
 each COMPANY in order of overall SCORE, based on readers' overall
 judgments of how well their company handled their most recent
 auto-insurance claim since January 1, 1991. A * before a company
 name indicates a direct writer or a company that mainly deals
 with exclusive agents or brokers. Unless otherwise indicated
 after the company name, anyone with a valid driver's license is
 eligible to apply.
 The overall score is based on a 6-point scale: 100 is excellent,
 80 is very good, 60 is good, 40 is fair, 20 is poor, 0 is very
 poor. The median company rating was 84. Each insurer received at
 least 179 responses. Differences of less than about 5 points
 aren't meaningful. Note: The results reflect the experiences of
 Consumer Reports readers, not necessarily those of all auto-
 insurance policyholders.
 CLAIMS is Consumer Reports' judgment of claims problems. It
 reflects the percentage of policyholders from each company who
 said they'd had: Difficulty reaching the company; delays in
 handling a claim or getting payment; disagreement over the dollar
 amount of damages, who was at fault or what the policy covered;
 rudeness; complicated procedures. NON is the judgment of
 nonclaims problems. It reflects the percentage of policyholders
 who said they'd had: Unfairly large rate increases; not enough
 information about changes in coverage; poor service when changing
 coverage; difficulty reaching the company; unclear explanation;
 late or incorrect billing. Numbers in the CLAIMS and NON columns
 are on a scale of 1 to 5, with 5 being better and 1 being worse.
 DELAYS is the percentage of policyholders with settled claims who
 said they didn't get their total payment within 30 days of
 filing. For the average insurer, 10 % of policyholders were in
 this category. SOLD is where a company sells its coverage. An N
 (national) means the company sells in most states. Few sell in
 all. MW is the Midwest, SE is the Southeast, SW is the Southwest,
 E is the East, W is the West. States are identified by postal
 Ratings: Auto Insurance
 36 rated
                           Better 5<---->1 Worse
   95 *Amica Mutual                4     5     6 %       N
   94 *United Services Automobile
         Association (USAA)
         (current or retired
         military officers)        4     5     7         N
   92 *USAA Casualty (dependents
         of USAA customers)        3     5     7         N
   91  Cincinnati                  5     4     7       MW,SE
   90  Erie Insurance
         Exchange                  4     4     6       MW,E
   90 *National General