I've been with Amica for over 20 years. Excellent service BUT even if you've not had any claims for over 10 years they will raise your rates if you have problems with your credit score (which for me was because I was unemployed for 2 years). Didn't matter that I hadn't filed any claims in over 10 years.
So, bottom line I am looking (now that I'm employed again). I understand there exists studies that tie together accident rates and credit scores. But when you're out of work, it's like they're blaming the victim. I need a company that's going to base my rates on whether I've filed claims or not. I need a company that's going to show me the same loyalty I've shown them.