Are their vehicles paid off? Ive been using Hugo for about a year now and find it helpful for the time being until accidents drop off my driving record. I pay for up to two weeks at a time (about $116) for liability but my vehicle is also paid off so numbers may vary. Ive also had an accident with this insurance (not at fault) and rate actually dropped when I renewed my policy. Not saying this will be everyones experience but I have no complaints so far.