I insure our vehicles through MetLife, (the result of a group deal before I retired from GTE), and while they had a little problem at first, with the VIN they very promptly covered "Charlie" and lowered my rates from the Santa Fe that we dropped from the policy. Great rates, great service. I've been with them for 10 years with no claims, no tickets so we get extremely good rates. It's not required to be part of a group to insure with them. If you're shopping, give them a try.