Worst insurance company ever. They were over charging me for my policy by $50 (I switched to State Farm, they are GREAT). I called in 3 different times and spoke with 3 different people before I officially cancelled my policy with them. The first lady I talked to told me that when I cancelled I would NOT owe them anything, I would just have to pay my last bill for the month, and I would actually be issued a refund. Cool. I asked her to take the automatic draft off of my bank account b/c I would not have any money on that account on the day of the draft, she said she would do that and my automatic draft would be cancelled effective now. A few days later, Liberty Mutual drafted my account and I was charged a $25 insufficient funds fee by my bank... I was obviously pissed, that's why I asked her to cancel the automatic draft. I called that same day the draft went through and the 2nd lady I spoke with told me that there was a note in my profile saying that my automatic draft had been cancelled, but it actually wasn't, and there's nothing she could do at that point since the draft already attempted to go through, she said the system is going to attempt to draft my account one more time and then I would be mailed a bill... REALLY?? So I asked her while I was still on the phone if I would be charged anything when I cancelled, she said let me check, and she informed me that NO I would NOT be charged anything, just this bill from my last month and I would be issued a REFUND. So they attempted to charge my card again a few days later & there was still no money in my account as I knew there wouldn't be. I was charged AGAIN by my bank.. Again, PISSED. I called in a 3rd time and this time spoke w/ a guy, I called to triple check that I would not be charged anything else upon cancellation, he assured me NO I would NOT be charged anything additional, just my last months bill. When I called the 4th time I called to officially cancel my policy, I had called State Farm and set up my policy and as soon as State Farm received my payment and got my policy set up I called Liberty Mutual not even 5 min. later to cancel. I even asked the lady who cancelled my policy if I would be charged anything else, she said no. I will be mailed a bill for my last months payment, I will receive a REFUND to my account and I would not owe anything else. A few weeks later I get a bill in the mail for $106.58.... wtf my policy was only $78/MO.. why is this bill $106, AND on the bill I was charged a $25 Return Item Fee.... I told her to cancel my automatic draft though. I called in this morning to ask why I was mailed a bill of $106 if all I was supposed to pay was my last bill of $78. He said it's b/c of the return item fee. I had to argue w/ him for 10 min just to get him to waive this $25 fee, apparently there was no note in my profile stating that I had been removed from automatic draft when prior to me calling him 2 different people told me there was a note in there stating I was to be removed from the automatic draft... Basically this insurance company over charges like crazy, they're employees do not follow through with their jobs, and the customer service is way below average. Go to State Farm. read more