I've had them for 6yrs now... never any issues. They JUST raised my rates (first time in 6yrs), cause of INS fees here in FL(FL congress allowed it).
I've filed claims before (windshield cracked), and they handled it quickly with no issues at all.
Don't know about serious claims like accidents/injuries... but I've been nothing but pleased with them.
I pay monthly, and even after missing a few payment dates during an enrollment period... they never said a word. Try that with Allstate, and they'll demand the next 6months in advance.
I also carry higher than "basic" coverages... and my rates were still cheaper than Allstates basic crap... LOL.
I got their extended warranty thing when we bought the wifes new van. Coverd her to 75K, about to test it when the CE light comes back on for the 02 sensor... damn Autozone rep cleared the code when she scanned it, and it hasn't been back on.. LOL.