My problem with car insurance is not the price, but what happens when you need to make a claim. Any company can undercut any other on premiums, but you only truly find out what happens when making a claim.

There are attempted frauds, people expecting coverage that they didn't actually pay for, misunderstandings etc which means every insurance provider has a website detailing how they suck and treat people badly. And of course the insurance company doesn't want to pay out more than it should.

Premium price is amongst the last things I consider because of this.

Here is an example site for Farmers Insurance and ultimately what led to me dropping them: http://farmersreallysucks.com/

You'll note they mention software from CSC named Colossus and to stay away from companies using it. Software rules does mean standardization, but also means virtually no case specific leeway. Here is a good explanation of how it works: http://www.blackchapman.com/medical-legal-journal/personal-i... and then an explanation of how insidious it could be (eg taking into likelyhood to sue) http://www.millerandzois.com/colossus.html