The policy I had with safeco covered liability and comprehensive without collision.
My wife had an at fault accident and safeco had to pay the other party but they didn't raise the premium for us.
I later had an accident myself but it was the other party's fault. So the service from safeco was not needed.
Finally, I moved so I had to cancel my policy. Safeco had no problem refunding my remaining balance. They also gladly provided me with a letter to prove my driving history so I could show it to the new insurer, per my request of course.
What more can I ask?