Nationwide pissed me off years ago, I never miss a chance to tell people what a bunch of dickwads they are. I never had a ticket, accident, or any sort of claim with them, but they continued to jack up my rates mid-term. In other words they'd send me a bill for six months coverage, I'd pay it in full, then they'd send me another bill in a few weeks for still more money. I could either pay up or wait 60 days for a refund check. They did it to me twice in a row so I told them where they could stick their premiums.