[Joshinator99]

Find a good regional insurance provider. These national insurance companies are scam artists. Remember, Geico was the company that bought radar guns, and donated them to police departments to write speeding tickets! This was quite some time ago, but Car & Driver eviscerated Geico over it, and rightfully so. For another example, my brother had Liberty Mutual. He paid less than me his first year, but by year number 5 or 6 my policy was HALF of his and I have significantly more coverage. If the company can afford to blanket the airwaves and internet with ads, that is money that comes from your premiums (and away from your claim settlements)!