i have been fucked by them several times. i got canceld off of state farm and progressive was one of few that would pick it up....my car got broke into they paid nothing, my car got hit in a parking lot they paid nothing, got into a uninshured motorist accidnet (other guy had no ish) they paid nothing and never did anything about it like they siad (lawsuits etc.)......keep in mind i had FULL COVERAGE INSH. my sugestion would be HELL NO....now this car was a show car that i drove everyday...but all they did was keep me legal when i got pulled over.....pay more somewhere that will take care of your shit, but talk to the agent fully about what you have and see what they cover, i now have Nationwide and they cover anything that replaces the factory equipment....that includes my motor swap, radio , etc.... but no SUBS or thing of that nature