crazy. there isn't any other issuance company that can touch the price i get with Rider i mean they can touch the price, but the coverage is less than what i get with Rider, and a higher deductible. thats why i stick with Rider. Better coverage, lower deductible, and better pricing. may not work for everyone, but they have been great for me for the last 3 or 4 years when i switched to them. and they are the only company that covers me when i do track days.