I had them when I first bought the Cobra. They were restrictive on miles allowed per year and liability limits. I called to change them the next year and the conversation went like this. When I asked to up my mileage limit from 2500 to 5000 I was told no because I have a Cobra. When I asked to up my liability limits from something like $25K per accident, it was no because I have a Cobra. They then asked is there anything else they could help me with. I told them no, they had shown me everything I needed to know. My new policy was with Northeast and Mike Smith. I've been with them ever since. Things may have changed by now, but I thought they were useless.I am thinking of going with American Collectors Insurance.. anything I should know about them?