was insured for a year and a half and I do not recommend. I completely understand the idea of a black box and safe driving, but co op increased my monthly payments because my score went down literally a couple points but was still well in the ‘good’ bracket. I found it incredibly stressful that a separate finance company managed the payments instead of co op itself and I was constantly receiving confusing emails that made me unclear of what was happening. Getting through to anyone on the phone takes forever and is also very stressful, and I often got charged extra just for the phonecall. A curfew on a black box is also something that needs to be a thing of the past as it’s ridiculous to assume someone old enough to drive a car doesn’t have responsibilities that require driving late sometimes. I really do not recommend this insurance - especially as a student as my time with co op only made me frustrated and stressed