[dave]

No insight for you on that 'offer'. But, I've dealt with them enough years to know that it isn't likely a mistake, nor an ignorant salesperson. They have a different approach, that's for sure, but they are rehearsed and not accidental. I forget exactly what I pay, but it is around 40-45% of the renewal notice I get every year....paying maybe around $85? It takes about a half hour on the phone every year, but they always end up coming back with....'my supervisor will give you this rate for this year only'....or some such.