The annual premium is not the only yardstick to measure an insurance company by. Paying claims, not raising your premium after a claim, and prompt fair service are all worth consideration. That is why I have Stuck with State Farm for over 30 years and why they have stuck with me.
After 30 years, if you were to file a claim, would they drop you like a hot potato? Just curious, we were with American Family for 15 years, some jerk ran a red light into us, unsured, we filed a claim, and they raised our rates (clean record). After a scathing letter, they said, sorry, we erred. Too late, we found another insurance carrier. That was 20 years ago. We more than paid for the cost of repairs over time.