It is our strict guidelines combined with our rates in our area. We have an extremely competitive home insurance considering that we're the only admitted carrier in my parish that writes home insurance in the whole parish, but what Allstate did after Hurricanes Rita and Katrina left a bad taste in peoples mouth here. With our auto rates, if you do not fit into Allstate's specific niche, then we're going to be substantially higher.

My biggest issue is not the money; my family can live off of $20,000 a year. What I'm getting concerned with is that I have a 6 month validation item count, I'm a little bit half way to it, but I only have less than 60 days to meet it. If I do not meet the validation then I cannot keep my contract.