When I first contacted Mylo about insurance for my Semi truck, they gave me a better quote than what I was paying, for the same coverage, and I paid the full year premium right then. Then the actual insurance company that Mylo went through, contacted me a month later and asked for more money because I did not get a discount Mylo said I qualified for. I was asked if I had a MC number for over three years. I told Mylo I did not have a MC number (I haul agricultural animals) and was not required to have one. I am required to have a DOT number and have had it for ten years. She said that should work. The insurance company said the Mylo agent should have told me that would not work to get the discount. It was an additional $800.00 mistake and then it was not such a great deal. After all that work and telling our previous insurance company "goodbye" I decided to stick with the policy and shop around again next year when it comes due. Do your homework friends.