“why ask how I rate Hastings . How can I rate you without having had cause to need you yet. hopefully I will go a year without having to communicate with if I do then I can judge. I knpw I will be changing address this year How much will you charge? At the end of the year you will send me a price it will be more than this year I will look else where find a policy at a better price then when I tell you and you will say "well let us look lets see if we can give you a better price" 2 things wrong with that you should have offered me your best price from the outsei you should be loyal to your customer not insult me.”