Back in Feb, of 2008 my husband left me without a word one except to say I had till the end of April 08 to get out. No money, no job.. I couldn't pay my credit cards off . Believe me I tried. After he left, I asked my Amfam agent to lower my renters and car insurance as low as he could... ( I drive a 1993 Dodge since I bought it in 2006) Charlie stated I was already as low as I could go on BOTH. Through the months since, I have asked him on several occasions if I was missing any discounts or was there any way to lower it...( I am disabled and only get minimum Social Security payments) Of course he said no, I just accepted it, He's been my Agent for 25 years. Last summer (09) my insurance was raised to 588.00 for a 6 month term.. they said because of my credit report. I told them I had told Charlie all about the split & if he could lower my insurance, told them what he said, AND told them he said it would be cheaper to leave my ex on my policy as well as my old address in New Hope. AmFam told me if I itemize my credit report and put down what my illness/husband leaving did to each individual account, they "maybe" could lower it. I told them over & over that it affected all acounts and everything in my life!!! To make a long story short, after arguing with them for 3 months, I sent a letter to a state official who directed me to the right people to contact. When I emailed a copy of the letter to them and told them I was ( and did ) going to report them, my insurance was lowered from 588.00/6 months to 356.00/ 6 months. BUT, I have no doubt that will change also. My insurance rates have gone up every time there's a change in my household for the last 15 years. I just turned 55, no claims, no tickets... rip offs!