FYI: My insurer is State Farm.
IMHO: Insurance companies have brilliantly positioned themselves so as to maximise rates and minimize payouts (Duh!). But they have gone so far with this strategy that a lot of us do everything we can to avoid a claimc yet pay higher rates each each. The situation with the broad spectrum of insurance (car, medical, etc.) is in a critical mode that will have far-reaching effects over the coming years. As a life-long entrepreneur I see the continual eroding of creativity, small business, and the necessary risk-taking that fuels a vital society.
Gee, i'm glad I got that off my chest.