I have had IFA auto insurance only for 1 year but that year has been great. I love that they have different payment options but the one that I use is that I pay for the first 6 months and then I do not pay for the rest of the year. At the start of the contract it is a little tough but then you get to relax th erest of the year. My husband was involved in an accident about 3 months after we started our policy and let me say IFA was great. They assesed the car right away. Good thing it was not my husbands fault but they called to make sure that everything was being taken care of. Since we did not have to pay anything we did not have to do anything with our insurance but they were right on top of it. They made sure that everything was taken care of. Also I love their website, I am able to make payments, check up on claims. Previous insurance companies do not have that option but IFA does. I like that because i remember one time i forgot to send out the check in time and when i called them they todl me that i was able to pay with a credit card for my insurance. That was great.