With a broker who was a friend. He called me about 5 yrs ago and told me I needed to shop my insurance. Best river dropped me because of my sons accident. The cheapest he could find was $1600 a month. I was paying $500 through Bear River. I found Allstate at $700 but then remembered ANOSC had been super inexpensive for some people so I called them and got it for $575. So a little higher than bear river but after 3 yrs I’ve gotten 20% every year for not having any claims so it ends up being cheaper than Bear river.