I have been a licensed driver for over 25 years and remember the good 'ol days when what was reported at the DMV was what mattered to your insurance rating.

The Clue reports and databases proliferated. Now you sneeze and it becomes public record.

Try to argue that the $1,000 financial guideline for reportable incidents are the benchmark and you get ridiculous responses trying to side step this and refusal to remove irrelevant items.

So as a consumer I need to look a little deeper at my options. CAN SOMEONE RECOMMEND A COMPANY THAT DOESN'T SPEND A FORTUNE MARKETING WITH CARTOON MASCOTS OR RODENTS?

I just happen to believe that it might be possible that good old fashioned word of mouth and reputation are going to uncover a gem or two for myself and others.

THANKS FOR THOUGHTS!