I give Melendez three stars because I had used them before, and had a good experience, so I turned to them to get a quote, which I got and was good and was ready to buy, but maybe it's just the one sales person I was dealing with who was slow to get back to me. The straw that broke the camels back was getting my final quote on a Friday at like 4:30 and being told I still needed to supply more information and then being told they would process it on a Saturday from home, but on that Saturday despite me supplying the information in a timely manner, the am came and went and by 6pm, I sent a thanks for not doing what you said you'd do email, and got yet another "sorry for delay, I didn't have access to my laptop!" That may be true but it's definitely not good for business when you've promised a customer who already experienced delays a timely response. Also find it funny that follow up email came ten minutes after I wrote mine. But yeah, no, don't want to beg you to sell me insurance, so I'll do the information dance again and hopefully get better service somewhere else. read more